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< I'd borrow home purchase funds from a 403b account because I saved it with pre-tax money, the interest charged is modestly low & I'm forced to repay it (thereby replenishing the account balance).>

peppermintpaty and Dave,

I wouldn't suggest borrowing from the 403(b) when buying the house. The interest is not tax-deductible. You are better off going with a higher mortgage perhaps a 80-10-10. In addition, you can only withdraw your original contributions to the Roth IRA without penalty.

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