I took out $60,000 from my Trad-IRA to put a down payment on my first home. I understand that I can pull $10,000 from my Trad-IRA tax free when doing this, but the...

I took out $60,000 from my Trad-IRA to put a down payment on my first home. I understand that I can pull $10,000 from my Trad-IRA tax-free when doing this, but the other $50,000 is taxed. Is the tax a flat 10% for doing this or does it scale with your income?

I ended up taking 24% federal and 4.50% state out of the full $60,000 because I was unsure...