Sigh...what friggin' now?

So I learn today that not only is my retirement account withdrawal form (what we planned to use to pay the downpayment and closing costs) lost somewhere in the hole of Louisiana but that we will have to pay our homeowner's insurance a year ahead of time before we close. That's another $720 that we'll have to find before we close! This is just all ridiculous - I mean, I feel like I really spent some time doing research to understand this process and thought I had a good idea of what we would need to pay for but there's always something new that's coming up that's $500 here or $600 there. I just don't see how people who are low-income can ever afford to do this - we're certainly not poor but we're not rich and this is tough.

I think I'm going to have a mental breakdown though with this retirement check. I have a feeling I'm going to have to resend the form overnight (if anyone there ever returns an email or phone call to let me know to do this) and with next week being Christmas, I probably won't see it until the end of January, if we're lucky. If we don't get that money we won't be able to close on the house. How mortifying. I hate this process - seriously. I don't think I ever want to do this again.