It is never a good idea because once you cash in that money, you won't be able to put them back in. It's better to borrow money from your 401(k) if you really need it because you will repay that loan to yourself. The only time cashing in your Roth is justified is when you have a true emergency and can't pay your bills because you lost your job or had a medical emergency. Using that money as a down payment is not an emergency.
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