u/New_Razzmatazz_9064

My wife and I (we're both late 30s) just had our offer accepted by the sellers and was wondering which account to draw from for the down payment? What would be the most tax efficient way that would also maximize our finances for retirement?

We're going to need about $200k - $250k for down payment and renovations. Our HHI is about 300k. I was thinking 2/3 from brokerage account by selling some of the ETFs, mutual funds, and various misc. individual stocks, and maybe 1/3 from our HSA. We just used our credit cards for all medical expenses and could possibly use the EOBs to reimburse ourselves tax free.

We have the balance in following:

Cash: 50k

Brokerage (invested in various funds): 400k

Roth IRA : 200k

HSA: 150k

Roth 401k: 500k

Regular 401k: 400k