I contributed a $4,000, $5,000 and $5,000 to my Roth IRA during 2007, 2008, and 2009 respectively. I have a few questions pertaining to how much I can withdraw and for what.

I am purchasing a house for the first time and have read that I can withdraw up to $10,000 to pay for "qualified acquisition costs". I also read in a few places that the money needs to have been in the Roth IRA for 5 years. Does this mean that I can only withdraw the amount that I contributed in 2007? Also, what falls under "qualified acquisition costs"? Is it only a down payment for a mortgage, or does it include inspection fees, appraisal fees, etc.?