Our house didn’t appraise for what we needed it to.  We’re still able to complete the refinancing of our house, but we can no longer roll in the closing costs, and are going to have to dig into our savings and Chris’ investment account.

$9,500 that we was supposed to go toward this adoption is instead going toward our new mortgage this Friday.

Sigh.

Sometimes it seems like one step forward…two steps back.

Update:  Just found out it’s going to cost us $10,600.  Double ouch.  Nice of the bank to let us know the ACTUAL number the evening before closing…