The 10% you're referring to is probably the early withdrawal penalty. That's different from the income taxes that you owe on your withdrawal.
There are a few exceptions that would exempt you from the 10% penalty, but the income tax will still be due. I'm attaching a TurboTax FAQ that will help explain more.
What are the exceptions to the penalty for an early withdrawal from my 401(K)?
*** I am NOT a tax expert. I am a seasoned TurboTax user, and volunteer to provide assistance to TT users. Nothing I post is to be considered TAX ADVICE; I bear no legal liability for responses.***
