Recent Posts. Some may require heirs to take the money all at once or limit how the money is handled. Contact your plan administrator for instructions and forms to be completed. This sort of credit is common in real estate purchases and cannot be obtained by going through traditional means. If you purchase real estate through a retirement account, all funds used to purchase the property must come from the account, and any proceeds such as rental income or sales proceeds must be returned to the IRA. If you have changed jobs or retired and have left savings in a former employer’s retirement plan e.