Can I Use My Annuity To Buy A House May 2026

Must usually be paid back within 5 years, though some providers extend this for primary residence purchases.

You may be able to "pledge" a non-qualified annuity as collateral for a bank loan. can i use my annuity to buy a house

Most contracts have a "surrender period" (typically 5–10 years) where early withdrawals trigger fees as high as 20%. Must usually be paid back within 5 years,

The IRS offers a specific "penalty-free" exception for certain retirement funds. can i use my annuity to buy a house