What is the penelty for cashing out a sep ira, roth ira and an individual ira prior to retirement?

Being laid off a last resort might be to cash is retirement to pay off mortgage. what are the downfalls?Thanks

SEP – income tax and a 20% penalty if SEP is less then 2 years old. 10% penalty after.
ROTH – 10% penalty and tax on all appreciation – YOUR contribution is never taxed.
IRA – income tax on all taxable %% and a 10% penalty.

These are federal only, states vary.

Helen, EA in PA