House downpayment - taxable account or ROTH contributions

[partlda]

Hello,
Buying a new house before selling old house (may rent or sell and dump existing equity into new house). Trying to determine best option for downpayment on new home. Already FI, but like many it's all tied up in investments. What's the recommendation: take contributions out of ROTH (no penalty) or cash in contributions to taxable accounts. I've never sold any funds before, but I'm assuming I have to pay taxes on anything I pull from a taxable account even if it's less than total contributions.

Current age 40, retiring at 50.

Thanks,
Dave

[NoStacheOhio]

What's your federal tax bracket? If you pay 0% capital gains then I don't see any reason not to use money from the taxable. If you're subject to capital gains taxes, Roth withdrawal might be more appealing.

Currently owning a house, I don't think this would be a qualifying home purchase, but as long as it's contributions-only you wouldn't get hit with a penalty.

[partlda]

25% tax bracket.

[braje]

You would only pay Taxes on the GAINS not the total amount you take out.