Why are you asking this now rather than before you did it?
Did you seriously raid your nest egg without carefully considering all the options?
You are given a one time, 10k excemption on the penalty if you are a first time homeowner.
You need to make the move on the payment within 120days however unless I am mistaken.
Another alternative is that many 401ks allow you to pull out a loan on yourself. Yes, you'll have mini payments, but you are paying the interest to yourself. So the main cost is that of opportunity of the growth that could have been.
This post was edited on 1/19 at 12:27 am