Rising home prices make 401(k) funds feel like a fast homebuying shortcut.
401(k) loans can avoid taxes, with interest paid back into your account.
Many plans cap loans at 50% vested balance or $50K, whichever comes first.
Loans usually require ~5 yr repayment; missed payments can become taxable distributions.
Early withdrawals before 59½ often face income taxes plus a 10% penalty.
Using retirement money can cut compounding; stable job and rebuild plan matter.
