<prompt> Human: Purchase price of house: 205k. Savings: 72k. Value of 401k: 175k.He wants to take half of the down payment from savings and half from the 401k. I think this is a bad idea. I think that the 401k should not be touched as a rule, but if we take out of the 401k, his pay checks will be smaller. I say suck up the down payment out of savings or find a less expensive house. Edit: Our share of closing costs is about 5k.But I am willing to listen to any side of this debate, so please feel free to speak your mind, no matter your opinion. My mind has been known to change! :  <response>: Use 41k from your savings for your downpayment. Leave your money in your 401k and leave 31k in your savings.You literally have no reason to use your 401k funds here. 