Stressed out, mortgages suck

[Lindsey]

Oh my gosh, I think this mortgage thing would have gone easier if I just did the whole thing myself! Well, if I were smart enough

The bank was lending me the down payment since I didn't have the money for the down payment. They gave me a mortgage for the purchase price minus the down payment. Great with me! The down payment should have gone straight to the lawyer.

My realtor told me the lawyer would probably cost me 1500-2000, which is do-able. Not favorable of course, but do-able!

Part of my agreement was that I would repay the sellers their remaining taxes because they pre-paid their property taxes for the year. Well now my mortgage REQUIRES me to make property tax payments with each mortgage payment, and that can't be changed. I didn't know where to turn, so I asked my realtor and she told me to talk to the bank, but I decided to ask the lawyer instead and they said they will just do a tax adjustment (I don't really understand but I guess they do...)

Now I just got an email from the lawyer including their statement of adjustments which says they expect a bank draft for over $10,000 payable to so and so. As soon as I saw that amount I felt sick to my stomach. I do not have that kind of money. Oh my gosh my eyes teared up and I thought the worst, I'd have to back out of the deal and be even more in debt, screw up my credit... and how could the bank tell me I can afford this when I can't????

On closer inspection, I see they are charging me the lawyer fees, and full selling price minus the mortgage... so what happened to that down payment amount?? I emailed back to ask about that and they DIDN'T EVEN KNOW ABOUT IT. They have seen no money from the bank, no mention of it at all, so now they need to contact my banker.

It feels like everyone is just running around each other and I'm stuck in the middle trying to orchestrate the whole thing when I've never dealt with anything like this before. I am just so frustrated and I wish I had someone else to help me out. When Scott tries to help me out it frustrates me more because I think I understand it better than he does.

I need a drink