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Very little. If you take an early distribution from IRA to purchase your primary residence, you can exclude 10K from the penalty calculation. However, when it comes to Roth IRA the penalty only applies to interest. So, it really depends on your age and how much of the interest you will withhold.
If you are 59 1/2 and opened your Roth IRA more than 5 years ago, there 's really no tax benefit since your entire distribution is nontaxable anyway.
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