I used Rollover IRA to pay off the mortgage, I'm 61 so far I have to pay 20% taxes can I explain I used the money for a home?

[dmertz]

Such an explanation would serve no purpose.  The distribution from the IRA is taxable no matter what you did with the money.

[Hal_Al]

After age 59.5, it's irrelevant what you did with the money*.  Buying a house is not a tax exception, it's only a penalty exception. The 10% early distribution penalty only applies to people under 59.5.

*Except rollovers to another plan. After age 70.5, there is a charity contribution exclusion allowed, when done properly.