All the chips have fallen and the dust has cleared. Our new monthly take home pay is $4885. Time to rework the budget...again. I'm getting a little fearful that we have taken on more than we can chew in making $2350 monthly mortgage payments. I don't want to back out of this arrangement so if we can possibly make it work, I'm going to to press for that option. GJS is bummed. And we'll be in even more dire straits if I get a pay cut, which is all teetering on sequestration and management choices.