early 30s with minimal responsibilities. does it make sense to cut losses now, later, or at all?

majority of my money is in stocks. im up on some, down on others. currently overall down $22k or 8.5% of invested amount. largest holdings are sp500 and vti. i really regret doing this because i should have kept this money for a down payment on a mortgage, and now this money is stuck. i know i shouldn’t take advice from strangers but wondering what people’s thoughts are.