qbteachmt
Level 15

You might want to bookmark this table:

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-tax-on-early-distri...

You have a hardship approval, that is up to the plan administrator. That's not an IRS issue.

Now, read this:

https://www.investopedia.com/ask/answers/081815/can-i-take-my-401k-buy-house.asp

Homebuyer has no provision, and neither is being over 50 while still working there.

It's all completely taxable + penalty.

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