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If you're single and have less than $25,000 in provisional income, you'll be tax-free up to $32,000 if you're married and filing jointly.
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These let you withdraw money free of federal taxes and state taxes. It must be taken if you've had at least one Roth IRA open for more than five years and you've reached age 59½.
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Single taxpayers who file jointly do not have to pay federal taxes on up to $250,000 of gains from the sale of a home in the same way that those filing jointly do not pay federal taxes on up to $500,000 of gains from the sale of a principal home.
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To qualify, you will need to pass certain tests regarding home ownership, home use, filing status, and previous sales.
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