<prompt> Human: I currently have a traditional IRA, a Roth IRA, and a 401k. All the money in each of them are invested in the same funds. I need to draw 10k in order to have a down payment for a new real estate purchase. My options are to either- take the new home buyer exemption on my Roth IRA- take the new home buyer exemption on my Traditional IRA- take a loan against my 401k I should stay at my job long enough to pay it offEDIT: I understand the drawbacks of doing this vs waiting and saving the money. I dont really care to go into alot of detail about all of that as this is not a throwaway account. Thanks for your suggestions to be more conservative, but Ive already made the decision to tap into savings. I just need to figure out the least impactful way to do it.x200B;All other things being equal, which one of these options is the best for the long-term stability of my retirement nest egg?  <response>: Why are these the only 3 options - if you have to withdraw from retirement accounts for a down payment, you are simply not ready for a home purchase. Take some time, save up and then come back to this in a years time - you might even benefit from some cool down in the real estate market.If this is something you absolutely need to do, have you considered putting less than 20 - a FHA loan would be ideal for you. 