Everything still sounds like very good news
but I know how you feel about not having the money left over that you expected. You're right again in that you shouldn't panic until you have the actual numbers. It's so frustrating not to get what you expect!
I've been there more times than I care to remember. Just concentrate on the fact that you're not going to lose your home, Hun. That's got to count for so much!
Sending all kinds of possitive vibes your way!