Pull the plug on retirement funds and buy house, or wait 4 more years and (maybe) get 100% loan?

Housing prices are going up I heard.

Got some retirement funds built up over the past 8 years...enough for a 15% down payment for a home (will still need to take out loan). But that would eat up all of my savings at this point.

But then we'd have a home for the rest of our time here...which we plan to be here for good. And once we have a home, I could start from scratch building up retirement.

OR

Wait for 4+ more years, get PR, try to take out a 100% loan. But by that time we would have wasted so much money on rent and age (would be 50+ by that time and not sure how banks would look at that age when considering a loan).

Just starting to feel the crush of time, money, and bones. WWYD?