Buying That First Home: The Finish Line

So my agent followed up with the selling bank regarding the proposed deal. He called me back to inform me that the bank accepted the arrangement! So it's only a matter of time now; closing is scheduled for August 28th. For the record, here's what my deal entails:

• Original asking price was $227,000. I initially offered $230,000 with a $1,000 earnest money deposit and a $12,000 concession, for a net asking of $228,000.
• The bank counter offered at a $235,000 asking price with a $2,350 earnest money deposit and a $8,000 concession, for a net asking of $229,350.
• We accepted the counter offer and I put the earnest money into escrow.
• My broker got conditional approval on financing, contingent upon all of my credit cards being paid of (~$3,000 owed).
• My agent submitted an amendment asking for an additional $3,000 in closing (no offer price increase, which made me a little nervous)
• The bank had to follow up with the investor (don't understand that piece) for the response - approved!

So when I close, my credit cards (which are the bulk of my separate accounts) will be paid off, leaving only my car and mortgage to pay, and I'll own my first house.

Before folks start cheering, I still have to get the appraisal results. The property might have depreciated so severely as to not make it worth while, or there might be bums during the walkthrough or anything else imaginable. I'll have to sit on my hands and wait and see.