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does a withdrawal of $10000 for 1st home purchase count against roth ira basis?
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from schwab with a roth, withdrawals of contributions are always tax-free because   you've already paid income taxes on that money. so are withdrawals of   earnings of up to $10,000 under the homebuyer exemption, assuming   you've had the roth for five-plus years. but if you withdraw more than   $10,000 in earnings, that money will be subject to both ordinary   income taxes and the 10 percent penalty.
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