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I wish that I could just pull the funds out and put them together with my home down payment savings fund, but know I'd have to pay the requisite penalties and taxes since I won't be using the funds to buy a home for several years.

If you're intent on using this money for a home purchase, just move it to an IRA at a bank or credit union and buy CD's in it. If your first Roth contribution/conversion was 5 tax years before you use it for this purpose (and you meet all the other requirements in Pub 590 regarding home purchase) there will be no tax on the earnings.

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