I am retired and age 57 and want to buy another home near the coast. I own my current home and have a good sum of cash but not enough to purchase home without selling current home first. I got a lump sum for my pension and it is in an IRA with Vanguard. I also have some other cash stock investments as well as other IRA monies and a 401K. The 401K could be withdrawn without the 10% penalty but would be taxed. What I am trying to figure out is how I can buy another home without first selling the house. Without income would I still be able to secure a loan for some of the house. If not what other scenarios may be possible without a huge tax implication?