<prompt> Human: Weve found our dream house - a 5bdrm 70s rancher with tons of upgrade opportunities, near primary schools we love, near trails we frequent, near bike paths parks a city pool. Its ideal and was priced really well for the neighborhood at 175k. Owners came down another 10k after inspection discovered some sloping concrete that hasnt caused any structural damages, but we sold them a story and they dropped the price AND accepted our offer contingent on the sale of our house. We have excellent credit and will get the best rate when we can finally lock it in.Problem is we cant sell our house. Its been on the market for 2 months and weve come down 15k to just below 120k. Our house is solid as a rock, adorable, fully upgraded from floors to electric to appliances. But nobodys buying. Weve only had 1 person even look at it. We bought it for 120k in 2006 and have put in about 20k. Mortgage balance is 101k and selling at 120k will get us the 10k plus 7k cash savings we need for 10 down in the new house.Were anxious, and the sellers are anxious, for some movement on this. We arent willing to let the house go. We looked at 30 houses and they all sucked or at least involved major compromise. This place is it!So, do we fire sale our house to cover only the mortgage balance and hit up my modest 401k to cover the 10k we need? What kind of penalties fees are involved? Or do we get a loan from our credit union I estimate 5 interest?, which would give us another monthly bill above our higher mortgage? Any advice is appreciated!  <response>: Nope. Retirement comes first. Always.No such thing as one dream house. 