Backstory: my parents are avid renters. They maintain that the one time they bought a house it was the worst experience they've ever had and ruined their credit. FMIL is a realtor who says that home ownership is wonderful and the only way that she and FFIL ever made any money. Each set of parents is pressuring FI and I into doing what they think is best.
A couple weeks ago, FI and I found a house we really liked and ended up making an offer. Even my parents were on board because it was such a nice house for a great deal. I never thought I would get my parents on board, but I was so glad I had their support.
Last night my mom and I met with FSIL (mortgage broker) to sign my disclosures for the house. She gives me the papers and it's $115 more per month than FMIL (realtor) told us it would be. I said no thanks, I don't want the house. My mom spent the rest of the night giving me her typical spiel about how home ownership is awful and we should just rent. I called FMIL and told her I changed my mind. FI was with me on that.
Today, FSIL calls around to try to find cheaper home owners insurance, the seller (builder) offers to pay some of the price to lower our monthly payments, and FMIL says if our property taxes go over her low estimate, she will pay the difference. FI talked to both of them and told me he wanted to reconsider. We were told we have until 5:00 to make a decision or we lose our $500 earnest money. I asked FSIL what happens if we get to closing and don't like the final payment, and she said we could still walk away at that point (but would lose the $500). I said go ahead.
I told my mom that FI and I have decided to go to closing day and see what happens. If the payment is over $850, we will walk away and rent (she doesn't know about the $500 earnest money). She has spent the rest of the day texting me essentially telling me how stupid this is, how I can't really afford it, how I'm tying a 30-year noose around my neck, etc. That is what my mom does. She makes me feel like garbage if I don't 100% agree with her and do what she wants, and then if I do something she doesn't want, she will say "I told you so" to even the tiniest little hint of trouble.
So now I'm having doubts about buying the house. I've had the cons of home ownership thrown at me all day and that's all I can think about. I also can't help but think that if I buy a house and something does come up and I need help, that she will say "I told you so" and not help me out. I don't want to listen to her crap and her "I told you so's" for 5, 10, 20+ years.
What do I do?