: You can use your $10,000 lifetime limit to help a child, grandchild, or parent buy their first home, even if you already own one.
: Married couples can each withdraw $10,000 from their separate IRAs, totaling $20,000 for the same home purchase. Key Withdrawal Rules can i borrow from my ira to buy a home
: You must use the funds for "qualified acquisition costs" (like a down payment or closing costs) within 120 days of the withdrawal. IRA withdrawal rules explained - Vanguard : You can use your $10,000 lifetime limit