Hi hecdav69As for 401K - ask your provider - my husband's, for example, allows a loan up to 50% of contributions. Since his is an annuity contract, there are no penalties... Haven't seen anything about hardship, but you supposed to have IRA for 5 years before taking money out for 1st-time home purchase, and the sum is limited to $10,000.Hope this helps a bitJulia
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