What are the current rules for withdrawing from my retirement account penalty-free to use as a first-time home down payment?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the current rules for withdrawing from my retirement account penalty-free to use as a first-time home down payment?
3 real searches · 1 real-search pass
IRS first time homebuyer IRA exception $10,000 120 days two year rule Publication 590-B 2025 2026Google ↗
OBSERVED
IRS Roth IRA ordering rules contributions distributions five year first time homebuyer exception 2026Google ↗
OBSERVED
IRS 401(k) hardship withdrawal home purchase 10% additional tax first time homebuyer exception does not apply 2026Google ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
IRS first time homebuyer IRA exception $10,000 120 days two year rule Publication 590-B 2025 2026 Google ↗
IRS Roth IRA ordering rules contributions distributions five year first time homebuyer exception 2026 Google ↗
IRS 401(k) hardship withdrawal home purchase 10% additional tax first time homebuyer exception does not apply 2026 Google ↗
- 401(k) plan hardship distributions - consider the consequences · proxy.goincop1.workers.dev
- Retirement topics - Exceptions to tax on early distributions · proxy.goincop1.workers.dev
- Hardships, early withdrawals and loans · irs.gov
- Publication 590-B (2025), Distributions from Individual Retirement Arrangements (IRAs) · irs.gov
- Publication 590-B (2025), Distributions from Individual Retirement Arrangements (IRAs) · irs.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS first time homebuyer IRA exception $10,000 120 days two year rule Publication 590-B 2025 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
IRS Roth IRA ordering rules contributions distributions five year first time homebuyer exception 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
IRS 401(k) hardship withdrawal home purchase 10% additional tax first time homebuyer exception does not apply 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |