I don't know if you could use retirement income, but have you looked into home buyer grants in your area? In some states these are available even if you aren't a first-time buyer. Depending on the grant you can use it either for down payment or closing costs. There may be income requirements.
wallflowerincognito t1_iuiz31h wrote
Reply to Got a new job offer in another state with a much lower COL. Can I use my existing 401k for down payment? by darkwing42
I don't know if you could use retirement income, but have you looked into home buyer grants in your area? In some states these are available even if you aren't a first-time buyer. Depending on the grant you can use it either for down payment or closing costs. There may be income requirements.
Bank of America has some similar grants if you finance through them: https://www.bankofamerica.com/mortgage/affordable-housing-programs/