Can my wife and I use her Roth IRA for a down payment on a home?We own a home on Whidbey Island but my wife is not on the mortgage. She has never owned a home. We plan on buying a home in Poulsbo. When we buy a house in Poulsbo, can we use her Roth IRA as the down payment without paying a penalty? February 22 2014 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.