LOS ANGELES (AP) — Raiding retirement savings for a down payment on a home can be tempting, especially if you’ve struggled to scrape together enough money to buy . But should you? Most 401(k) and similar retirement savings plans like Individual Retirement Accounts (IRAs) allow homebuyers to withdraw or borrow a limited portion of their nest egg for making a cash payment toward the final purchase price, but there can be hefty tax penalties and other short- and long-term financial impacts to