If you've held your Roth IRA for at least five years and you're older than age 59 1/2, the money you withdraw will be tax-free. If you open a Roth IRA account after you turn 59 1/2, you still have to wait at least five years before you can take distributions of your earnings without an early withdrawal penalty.
In your case, you still have to pay tax on the $10,000 home purchase exclusion (it is exempt from the 10% early withdrawal penalty only).
Roth IRA Withdrawal Rules
@ScottDIY
[Edited on 1/28/2022|12:42 PM,PST]
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