There is not an exception to the early withdraw penalty for mortgage payments. There are a few listed below and click here to see the full list of exceptions. The IRA exceptions are listed in the middle column.
- One distribution per calendar year for personal or family emergency expenses, up to the lesser of $1,000 or vested account balance over $1,000 (made after 12/31/2023).
- Health insurance premiums paid while unemployed
- Up to $22,000 to qualified individuals who sustain an economic loss by reason of a federally declared disaster where they live
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