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    Finding Your Down Payment

    • 401(k)

    • Cash value of life insurance

    • IRA

    • Penalty-free withdrawal for 1st time home purchase before age 59 1/2

    • Up to $10,000 if you haven’t owned a home in the previous two years.

    • Each spouse with IRA eligible-lifetime max

    • Use for down payment-avoid PMI.

    • Qualified relative includes children, grandchildren, parents, grandparents.

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