@kmccreary wrote:
I am under the impression that i can use this money tax free if we have not purchased a house in the last two years.
Not tax free. Up to $10,000 can be distributed without the additional early distribution penalty but the normal tax on the distribution still applies.
See IRS pub 590B for details. (The same rules for a Traditional IRA apply to a SIMPLE IRA for first home).
https://www.irs.gov/publications/p590b#en_US_2018_publink1000230922
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**