<prompt> Human: Im short 20k on a home purchase because counter offers drove the price up. Sellers eventually chose us and I got backing from my parents. My parents are pretty well off but I dont really want to borrow money from them if i dont need too. So, should I swallow my pride and borrow money or take money from my IRA?thanks.  <response>: Swallow your pride. You might be able to open a home equity line of credit immediately, borrrow the money right back, then pay your parents early.They always like that. 