: Interest goes back into your account rather than to a bank.
: Most mortgage lenders do not count 401(k) loan payments toward your Debt-to-Income (DTI) ratio. S&P 500: historical performance from 1992 to 2026 - Curvo borrowing from 401k to buy house
: You can typically borrow the lesser of $50,000 or 50% of your vested balance . Repayment : Standard loans require repayment within 5 years. : Interest goes back into your account rather than to a bank
: You pay interest (usually Prime + 1–2%) back into your own account. ⚖️ Pros vs. Cons The Upside borrowing from 401k to buy house