<prompt> Human: Hi, everyone. I would love to hear your thoughts on this issue. I currently have 5 down for a house. I can get that loan if my credit is sufficient. As of my last credit pull, I was about 10 points shy of where I needed to be for the loan. At the time, I had two credit cards, both 50. We have since paid down the credit cards to 30. I am awaiting a rapid re-score, but not sure if I will make it. If I have 10 down, the credit score doesnt matter. My question is, in your opinion, is it worth pulling the remaining 5 out of retirement funds? The property is currently priced significantly under comps and is perfectly upgraded. The pull from the retirement accounts would be loans that I pay back in 10 years, so no tax penalties. Any advice would be appreciated. Edit: A word. Also, I can afford this payment with only 5 down, its just that I havent had time to save for a 20 down loan.Update: Hi, everyone! Thanks for your advice. The credit cards will be paid off entirely before I assume this loan. Also, my credit scores came back, and I am good. No need to dig into retirement. If anyone is interested, I can put what the bank appraiser says when I hear. Thanks for all of your opinions.Assistant: If you can only put down 5 on a house, the house you are looking at is either too expensive, or you are flat out not ready to buy. I know that sounds mean, but thats the harsh reality as I see it. Can you post your budget and the house price you are looking at to give us a better understanding of your situation. Human: I agree, but my circumstance is unusual. I sent you a PM. Thanks for your advice.  <response>: Everyone always thinks theyre the outlier. 