Use of Roth IRA Proceeds for First Time Home Purchase

My daughter and son-in-law purchased their first home this year. My daughter withdrew funds from her Roth IRA for part of the down payment.
I thought the rules were that you can withdraw all of your contributions,
plus up to $10,000 of gain tax and penalty free toward a first time home purchase. I am reading an article that indicates you can only withdraw a total of $10,000. That doesn't make sense to me. I would think they mean all contributions plus up to $10,000 of gain. My daughter has had her Roth IRA for more than five years. She withdrew more than $10,000 but not more than contributions plus $10,000 gain.
Can someone please confirm.
--
<< ------------------------------------------------------- >>
<< The foregoing was not intended or written to be used, >>
  Click to see the full signature.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
On 12/24/18 1:09 PM, Dimitrios Paskoudniakis wrote:

Because the 5 year period has elapsed, she can withdraw up to $10K (a lifetime amount) of EARNINGS tax-free and penalty free if she meets the definition of being a first time homebuyer. It is considered a qualified distribution. She would not be distributing earnings until she first distributes her contributions. So... your interpretation is correct.
--
<< ------------------------------------------------------- >>
<< The foregoing was not intended or written to be used, >>
  Click to see the full signature.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

BeanSmart.com is a site by and for consumers of financial services and advice. We are not affiliated with any of the banks, financial services or software manufacturers discussed here. All logos and trade names are the property of their respective owners.

Tax and financial advice you come across on this site is freely given by your peers and professionals on their own time and out of the kindness of their hearts. We can guarantee neither accuracy of such advice nor its applicability for your situation. Simply put, you are fully responsible for the results of using information from this site in real life situations.