Employees often ignore retirement funds when planning property purchase. EPF allows 90% withdrawal after 5 years of service for buying/constructing a house; Gratuity can be taken in advance if purchase happens 1 year before retirement. Tax: EPF withdrawal after 5 yrs is tax-free; gratuity up to ₹20 L is exempt. Process: apply online via UMANG, attach sale agreement & bank estimate, amount credited in 15 days. We show how a 30-year-old with ₹8 L EPF & ₹4 L gratuity can fund 15% down-payment on a ₹80 L flat without liquidating mutual funds. Keywords: EPF withdrawal house, gratuity for down-payment, tax-free property fund.