MFJ and one dependent. We took about $18-$20k from our Roth IRAs this year for a purchase of home as first time homebuyers. I max out my FSA contributions, husband does HSA, and we both contribute to Dependent FSA. We both contribute pre-tax/Roth to our 401ks, we donate $1-2k/year to church, and for the first time will have mortgage interest. We don't expect to be able to itemize due to the higher standard deduction, but since the TCJA, we have ended up owe taxes every year. If it doesn't sunset (or they don't make adjustments to the standard deduction with this new tax bill), how can we claim the first time homebuyer exemption on the first $10k we withdrew and also be proactive in reducing our tax liability next year?
