r/irstaxhelp

I withdrew money from my IRA to pay off our mortgage in 2025. I knew I would have to pay 20% income tax and I paid it on time. Now I received a letter from the IRS that I owe a penalty for not pre-paying estimated taxes.

This was a one time thing, paying myself from my own money - not regular income spread out over the year. The withdrawal came in June and their schedule of pre-payment says I missed payments before that even happened.

Is there anything I can do?

Thank you for any advice in advance, anything is appreciated! My husband and I paper filed (married filing jointly) in February for the 2025 tax year, and already received our one from the state, but nothing from IRS. We tried to do the “where’s my refund” page and it always said we didn’t enter correct information and to try again (we know it’s correct info). We called in April before the 15th, and they hadn’t received our filing yet so they said to call back in a few weeks to see if it’s there. Since then, we cannot get ahold of anyone on the phone: all saying that they cannot take our call due to high volume of requests or has a wait of over an hour to get ahold of them.

We have tried to schedule an appointment with the local office, and the automated messaging won’t allow me to even schedule “due to a high volume of requests”, just like the main phone line says. We are thinking of sending in a 3911 Form, but can’t get ahold of anyone to see if it would be right for us. As of now, I don’t believe they have even received our mail-in so I don’t see how they would be able to trace the refund with the 3911 Form. We are at a loss and it is really frustrating, especially if it means we won’t have technically filed our taxes for the year. Thank you again for any help you can provide for our situation!