From the 10,137.82 I assume I can withdraw the $10,000 for the first time home buyer exemption to bring my account total to be $137.82?
Correct.
What I'm confused about is your last paragraph. Lets say I decided wont be making any contribution back to my Roth IRA this year for 2019. Would it make things less confusing for me.
I presented a return of contribution on the $6,000 contribution for 2019 as an optional way to get some money out of the Roth IRA. However, since there are investment gains attributable to the $6,000 contribution for 2019, it generally wouldn't make sense to obtain a return of contribution of that $6,000 because this distribution bypasses Form 8606, resulting in the first-home purchase exception not being applicable to the gains required to accompany the return of contribution. Under the circumstances, I would simply take a regular distribution of the $6,000, not a return of contribution.
