The usual ceiling on a 401(k) loan is the lesser of $50,000 or 50% of your vested balance. This question is almost always about a 401(k) loan, and the limit comes from IRS rules plus your plan's own terms, so confirm the exact figures with your plan administrator. The 50% cap is the part people forget. With $40,000 vested, you can access roughly $20,000, not the full $50,000. Once your vested balance reaches $100,000 or more, you can get the full $50,000 maximum. A straight withdrawal is a different animal. Before retirement age it can trigger income tax plus an early-withdrawal penalty, so when we talk about tapping a 401(k) for a purchase we usually mean the loan, which you repay to yourself with interest. Borrow only what you actually need to close, and keep some cash back as reserves for after closing. If you want the exact number for your price point, that's what the free Roadmap conversation is for: about 20 minutes where we run your real numbers.