my active minister client brought a 1099 R stating the financial company told him he can use the total amount withdrawn as housing allowance to purchase a house.  Can someone advice on this matter?  I have not find any documentation that support the assertion from the financial company.  I know he can use part of the withdrawn amount as down payment, and to cover all related expenses to maintain the house.  Does any one know what percentage can be used as down payment?.  Thanks,