The pros and cons of tapping your 401(k) for a down payment [Yahoo! Finance]
NerdWallet, Inc. (NRDS)
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Source: Yahoo! Finance
If the goal of homeownership is out of reach because of that upfront amount required, you may be tempted to dip into the savings you have stashed for other purposes — like your retirement. In fact, the Trump administration recently suggested this possibility, proposing to “allow investors to use some of their retirement funds to make a down payment on a ?house,” said Reuters . It is already an option to borrow against retirement funds through a 401(k) loan, assuming your plan permits it. But is raiding your retirement for a home purchase a financially sound idea? While the specifics of the Trump administration's proposal have yet to be revealed, there are some major caveats and drawbacks to 401(k) loans. And generally, taking money out of your retirement, even if you repay it, will reduce your later balance. Here are some pros and cons to help you decide whether utilizing your 401(k) makes sense. The obvious benefit of tapping your 401(k) for a down payment on a house is that it
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