You always pay regular income tax on withdrawals from a pre-tax 401(k). If you are under age 59-1/2, you also pay a 10% penalty for early withdrawal. There are several exceptions to the early withdrawal penalty, but building a home is not one of them.
https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-tax-on-early-distri...
Even with an exception, you still owe regular income tax, and the size of the withdrawal puts you in the 32% tax bracket at least, not counting state taxes of 5%-13% depending on your state. Your overall tax exposure could be as much as 59%.
If there was backup withholding at the time of the withdrawal (usually 20% is mandatory) that would be reported on your 1099-R and Turbotax will apply that to the balance due, but you likely owe substantial additional tax.
You can request a payment plan from the IRS. You may want to consult a tax professional (enrolled agent) about your tax debt.
https://www.irs.gov/payments/payment-plans-installment-agreements
