The first 10K of what?  And for what purpose?

sorry, somehow the original question and details were missing.

No. That's not correct. There is a penalty exception for first time home buyers for IRA distributions up to $10,000.

Here are the other exceptions:

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-tax-on-early-distri...

sorry, somehow the original question and details were missing. I have revised the question

In that case, you're correct, although a Roth Distribution may not be the most financially sound since it's mostly tax-free with taxes and penalties on only the earnings. If you have the possibility, a traditional IRA may be a better deal. Hope that helps.