But the other thing that kept running through my head was the constant fear that closing costs would balloon out of control once we sat down to sign. The voice in my head kept saying, "Just wait. It'll be so much worse than you think it is." See, our lender (who made this process pretty difficult and so shall remain nameless) had assured us that we wouldn't have to pay more than $800 at closing. But every document they sent me had an estimate that was closer to $1500. And my job isn't so much better that I have an extra $700 laying around whenever I need it. So we scrimped and saved and sold a lot of our stuff to make sure we had enough. Then the day before closing, they were supposed to give us the final tally. But they didn't have it. In fact, they waited so long to find out what the closing costs would be, that we didn't find out until we sat down to sign (with a stack of hundreds in my pocket).
Luckily for us, the closing costs came out to be less than $400, despite my bank's insistence that they would be more than that. And that gave us a nice little cushion in case we had to buy a bunch of stuff for our very own money pit.
Also luckily for us, it hasn't turned out to be a money pit. The home has been well-maintained, renovated slightly, and there hasn't been a single issue we've had to pour money into. But I can promise one thing. We will never install a tub on the second floor. Mostly because I don't want to pour water into it and then laugh maniacally when it crashes and shatters on the ground below. (But also because we don't have a second floor.)