Thank you so very much for your answer! I don't close until later in January so I will wait until January if I do decide to take a distribution. Then at least that way I can use 2020 home interest paid (anticipated to be tens of thousands) to wash the penalty for the small distribution (less than 5k) if I take it.
Plan administrator has shown me 401k loan plan. Now I am just at the point of having to consult with lender to see how it would affect the financing package I would qualify for.
In short, your information helped me out a lot. Thanks again!
