If it were me, I'd probably take a $50K loan from the 401k -- with the proviso that you'd pay it back as rapidly as you can. You already know the risks of a 401k loan.As you say, the problem with a Roth withdrawal is you can't put it back in. Leave it for emergencies.---------------However, are the 401K funds not considered borrowed? Won't the mortgage co have an issue with you borrowing down money? When I did this -- well before the mortgage market meltdown -- they considered it not a loan, but me taking my own money from my own account. But they *did* consider the (required) monthly payment in my debt-to-income ratios.Consider your Roth funds as your safety net until you have re-built non-ROTH liquidity.Keep your [money] out of your housing to as much degree as possible.I agree with both of these.If Dave says you can get 10% down, no PMI, then you probably can. Sounds impossible to me, but I'm not in the field like he is.But, with 30 yrFRM rates at 3.75%, I think it's nuts to take an ARM.Hmmm. Took a quick look at a couple of places I've used. I used Boston, $650K, FICO 760.Amerisave won't go above 80% LTV. 3.625% 30yrFRM
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