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I wouldn't think of the closing costs any differently than you do the down payment. It's all money you need at the time of purchase.

I'd stash the funds in the same account with your down payment money.

However, since you seem to be intent on trying to use a Roth IRA to accomplish something it was not designed to do, the next best thing would be to transfer the Roth IRA to the same online bank that is holding your down payment money. They almost certainly will be able to open up a Roth IRA for you and then accept a transfer of the money from TD Ameritrade.

--Peter
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