<prompt> Human: My wife and I are looking to purchase a house for the first time in 2019. We have some money saved up and we were looking to put as much money down as possible so we can move in to a nice sizable house. We are both 35 and would like to pay off our house by the time we are 65. This is in North New Jersey and a good house here will cost around 400k-500k. We have about 100K saved up for the down payment and closing costs. I would like to have as low a monthly payment as possible as taxes are insanely high. I dont like being in debt and would want to treat a mortgage like any other debt so I am looking at all options I have to try to pay off the mortgage as soon as possible. Our household income is around 160k-170k a year depending on bonuses etc.I have an old ROTH IRA that has 29k in it. Out of these My contributions to this ROTH IRA have been 14K. I last contributed to this my last contribution was 200 in 2015. I was wondering how much I can take out of this account towards the house. I have read that a first time home buyer can take it 10K from a ROTH IRA. Is that from the earnings portion or from the total? Can I use my contributions as well and potentially take out 14k10k24k? Is there a time limit before contributions can be withdrawn?  <response>: If youre planning on retiring one day, I wouldnt touch that precious tax free Roth money. 