What is the penality for early withdrawel for first time home buyers, I was penalised 30% 20 for early & 10% for taxes I this correct

Hi, trendy,
Yes, you are correct. The penalty for early withdrawel is the same; regardless of the reason you are withdrawing it.
Actually, the 20% is for Federal Taxes, not for Early withdrawel.
The 10% is for Early withdrawel.
It's the same though, total of 30%.
If your state has a State Income Tax, you will have to pay State taxes as well.