这样的情况，你应该从你现在的房里把钱借出来，千万不要动你的IRA！我有讲过把钱从投资房里借出来的好处！

In your case, I would refinance to get a fixed rate mortgage from your current primary home and use the money to buy your new primary home. 

http://blog.wenxuecity.com/myblog/72332/201707/3102.html

http://blog.wenxuecity.com/myblog/72332/201707/12960.html