Movin' on up and freakin' on out

First and foremost, I'd like to say that if you don't have anything nice or encouraging to say to this post, keep it to yourself because I'm excited.

I put in an offer on a townhouse today. YIKES!

I know, I know. Fast. I move really fast. Seemingly too fast. Don't I want to look around more? Have I thought this through? Can I afford it? Shouldn't I live with Ty for a few more months and save up a bit more? Am I insane?

Let's make a pro and con list, shall we?

Pros:

- Close to work and family (read: Arvada, CO 80003)
- I was really hoping I could get a townhouse instead of a condo!
- Carport that opens directly into the kitchen. No hauling groceries up any stairs!
- The mortgage will be $518 plus taxes, bringing it up to $586. HOA is $170. Total monthly payment will be $756. Most apartments cost more than that and I can't imagine finding a townhouse this nice for that price.
- Brand-new remodeled kitchen and bathroom, with granite counters, never-been-used black appliances (shut up, I like black appliances), new cabinets, new vanity in the bath, and all new fixtures. Plus, there's a PERFECT, unobtrusive place for a litter box in the bathroom.
- Brand-new, high-quality carpet
- Freshly-painted with high-quality floorboards, molding, and doors.
- All east-facing windows, except in 2nd bedroom which is small south-facing.
- LOTS of storage space, from big ol' closets throughout and an outdoor storage space for my hockey equipment and camping gear.
- Double-pane windows
- I talked to the neighbor to ask what she thought of the area and she said she's been there three years and loves it.
- Small, fenced outdoor patio area with just enough space for me to attempt gardening but not so much that I'll feel like a mass plant murderer again (RIP, plants of 2005).
- I love the living room. For the reals.
- CHFA (Colorado Housing and Finance Authority) is giving me the 3.5% down-payment money thanks to a new program they rolled out and I will pay $1000 for earnest money. Interest rates as of today are 5.0%, which apparently is retardedly low. And I may or may not qualify as a first-time buyer (was on the deed to our house but not on the financing...) and might get the $8000 tax credit Obama rolled out this year.
- 824 sq ft of awesomeness, across the street from King Soopers, 7-Eleven, liquor store, and about a mile from Target, Qdoba, and my favorite Chinese restaurant ever.
- New-ish furnace
- Seller will pay closing costs and my first 8 months of HOA fees, thus my mortgage will only be slightly more than what I'm paying to live in Ty's spare bedroom. Yunno, for 8 months.

Cons:

- I'm scared.
- I only just started looking into buying LAST THURSDAY and wasn't even serious about it. It all just kind of happened because I wanted to see the inside of this other place in Old Towne Arvada and it all just snowballed.
- I was planning to live with Ty through summer so that I can save a bit more cash and now I feel like I may be jumping into this too quickly just because the place is so perfect for me.
- I'm scared.
- It's a middle unit. As in, it's between two other units. As in, it's not an end unit. Like, when I have parties, I probably shouldn't blast the music.
- I'm scared.

Okay, well, it's not like this matters at the mo'. I put in an offer already so... yunno... just gotta wait and see. If it's accepted, that'll be SCARY but awesome. If it's not, well, that'll suck but then I can go back to plan A. *sigh*

Did I mention that I'm scared?