Oh I see! Ok so it's mildly complicated with the primary residence. We bought the primary residence with a relatively smaller loan than one might otherwise have, and then refinanced with cash out a month later. So the money didn't directly go into our down payment, but it did help us buy our primary residence by immediately after the fact allowing us to replenish the money that had gone into the down payment.
After that we paid for a bunch of upgrades, which are still ongoing into 2021, things like repainting everything, ripping out carpets and refinishing the floor, buying lots of furniture, fixing some minor electrical issues, replacing broken windows, etc. We will likely also redo the shed.
We might also want to upgrade our electrical panel and install new heating and cooling. We were going to wait a couple years to do that, but if it's a big tax break to use the cash out money on that upgrade now, we'd definitely consider doing it now!
