I don't think I'm missing out on anything by doing conventional vs FHA. 

Correct me if I am wrong but this is the big chunk of savings that I am missing out on without the homestead exemption and being overcharged for by Escrow: From hcad.org; “ School taxes — all homeowners.

A key piece of missing information is income.

A key part it seems your missing is the underlying fundamental foundation of a HOA, which makes no sense to say "buying" a HOA, there is no "thing" to buy, a HOA is not a thing, it is a organization.

Record it with the county.I just wanted to see if there were any resources such as a paralegal who could "hold my hand" to make sure I didn't miss anything specific to Indiana/county.

yes, we had a full months rent for deposit and already absorbed that, but after repairs and the missed rent payment they still owe $2500.

I guess what I was missing was the timing of declaration of the proceeds, so this now makes it very understandable. 

It just depends, many people get frustrated with the wait but they also and in my opinion more importantly miss getting started because they are stuck on that 1% rule.

I currently pay $977/mth: $645.05 for principal and ESCROW is $331.57 (taxes and insurance/no PMI).Using the Bankrate calculator, a new loan at $275k and 3.1% would be $1,165/mth (approximates, of course):$918 principal and interest$66 Insurance$181 property taxAnything that I'm missing or should be considering here? 

I just wanted to know what type of questions I should be  asking that I might be missing regarding the status of the progress of the project.