I w/d 11k out of 401k as a withdrawal for the primary purpose of a first time buyer down pymnt. Im also getting a 6000 dollar gift plus a $13,000 401k loan for the rest. However escrow is now delayed until January 10th. Since I have already taken the withdrawal can I simply put the money into an IRA and withdraw it again since less then 60 days and after January 1st thereby having no penalty and I will forgo the taxes hang on them at least until 2016 ?