Can you use retirement funds as income to qualify for a home loan?  Maybe!  To use retirement assets as income to qualify for a home loan, you must meet specific requirements.  These include having access to withdraw the funds in their entirety without being subject to a penalty or an additional early distribution tax. For most people, this means reaching the age of 59.5, which is the IRS age for withdrawals without penalty; however, there are some exceptions.  If you have questions about your income and buying or refinancing a home, let’s talk!