can use my solo 401K funds to purchase real estate as my primary residence?


I would like to know if I can use my solo 401K funds to purchase real estate as my primary residence.


Good question. No the 401k rules do not allow for using one’s solo 401k funds to purchase their own home. Reason being, the solo 401k owner is considered a disqualified party and thus is prohibited from using real estate owned by the solo 401k plan for personal use.
However, you can borrow from your solo 401k and use the borrowed funds towards the purchase of your primary residence. For example, the solo 401k participant loan rules allow for a 30 year loan payback period if the borrowed funds are used towards the purchase of a primary residence by the solo 401k owner or his or her beneficiaries. To  lean more about the primary residence rules, CLICK HERE.

About Mark Nolan

Each day I speak with energetic entrepreneurs looking to take the plunge into a new venture and small business owners eager to take control of their retirement savings. I am passionate about helping others find their financial independence. Having worked for over 20 years with some of the top retirement account custodian and insurance companies I have a deep and extensive knowledge of the complexities of self-directed 401ks and IRAs as well as retirement plan regulations. Learn more about Mark Nolan and My Solo 401k Financial >>


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