That is life I am sorry to say the bank will not put themselves in a position to lose money if you walk away so maybe just do waht you can with the 5K pay 1/2 back and get some more. That is what most people do in your situation. As for backspash mosacis come in 12 x 12” squares and you should not have much waste at all if you have an 18” space to fill but to be honest without seein gthe counter and the tile you want who knows what to answer.Just for your own info mosaic as backsplash is getting to be quire dated a simple tile is a much better choice.

You won't waste the tile that you cut off, you just add it to the next row & continue. You should have very little waste if you know what you are doing.

We are using a gun stock color cabinets with with a dark gray counter top that looks mixed marble and granite with dark grey granite sink. My wife does not want a solid color on the wall. So was thinking something what I put bellow.

Something with rock face like siding

OR

https://www.menards.com/main/kitchen/backsplashes-wall-tiles/mohawk-reg-grand-terrace-12-x-13-glass-mosaic-tile/gt33randcc1p/p-1512027062692-c-8163.htm?tid=-786612987619465464&ipos=8

https://www.menards.com/main/kitchen/backsplashes-wall-tiles/mohawk-reg-glass-escape-15-x-11-glass-and-stone-mosaic-tile/el86lnstnmshs1u/p-1503297117920-c-13976.htm?tid=-786612987619465464&ipos=11

https://www.menards.com/main/kitchen/backsplashes-wall-tiles/mohawk-reg-phase-12-x-13-glass-mosaic-tile/ph55randcc1p/p-1444428425801-c-12510.htm?tid=-528439622159925332&ipos=47

https://www.menards.com/main/kitchen/backsplashes-wall-tiles/mohawk-reg-phas-12-x-12-glass-mosaic-tile/ph543randcc1p/p-1444428436320-c-12510.htm?searchTermToProduct=7350778

Well the house was valued at 60k before I bought it, During buying it the value dropped to what I payed for it 35k. The roof was bad and so was a lot of other things but I have taken care of them or will. Bank said with out a new appraisal she cant do much.

Only reason we cant wait to get the kitchen done is causes of the high utility bills it is creating. We are getting bill from 450-550 for fuel a month during winter because the lack of insulation in the room, bad windows and around window, bad door. Then of course got cracked wall, bad cabinets, and a laundry room part of the kitchen) that would can barley move in because of a wall.

I am thinking about adding all my other stuff to the loan then I would get the amount I want. Bank said I have to pay at least 25% of the projects. Well with all the project together I am paying more then that.

how are you wasting mosaics? if you have x amount of square feet to cover, you get x amount of mosaic tile, plus a little extra. The mesh sheets can be cut. so, use one full sheet, then cut 6 inches from the next sheet and put it above the 12" sheet. Repeat. Stagger the seams so you don't get a grid effect. You've never tiled have you? please do your research.

this one is better looking than the Menards choices

https://tilebar.com/managata-twill-silver-planks-glass-tile.html

This all white one is a tad more, but it looks great as a backsplash. see how the sheets were cut and carried up under the cabinets?

https://tilebar.com/mangata-snowfall-white-planks-glass-tile.html

Floor and Decor has a similar look

https://www.flooranddecor.com/glass-decoratives/glacier-gray-linear-glass-mosaic-100155076.html

this one is on clearance because there are only 99 sheets left in stock. It's the Tao glass and stone. $8.32 each.

https://tilebar.com/tao-toffee-marble-glass-tiles.html

or maybe this one. (only $10 a sheet and tilebar ships for a flat $10 rate)

https://tilebar.com/rapids-pattern-afterglow-glass-and-stone-tile.html

want some color and cheap? $5

https://tilebar.com/annapolis-glass-tile.html

https://www.discountglasstilestore.com/glass-tile-under-10/?sort=featured&page=3

$6 tons of other colors too. can't load the pics.

https://www.discountglasstilestore.com/bliss-baroque-alabastro-random-strip-stained-glass-collection-free-shipping/ Free Shipping

or, look at these 2x12 frosted glass tiles for $9 sq ft. They're normally $18. (comes in a darker color too)

https://tilebar.com/loft-horizon-macadamia-frosted-2x16-glass-tile.html

something like this as

The whole kitchen and laundry room is getting striped to the studs. Insulation is def going up first.

As for wasting tile, you are right. The ones we really likes that I could not find a link but it does not mix well if it cut.

All I know if my wife does not want a basic tile, anything pure white, anything to plain, or anything dark.

I want something that mixes with the dark gun stock cabinets and and the dark grey counter.

Tao glass and stone does not look bad but my wife said it looks dirty and old.

She also likes something like this https://www.menards.com/main/kitchen/backsplashes-wall-tiles/ms-international-crema-cappuccino-12-x-12-stone-mosaic-tile/smot-crecap-2x4p/p-1444441225452-c-8163.htm?tid=6215449811843478100&ipos=36

or

that type that looks like but for backsplash (Menard has it but I can not remember it) https://www.menards.com/main/building-materials/siding/stone-veneer-siding/stone-master-reg-santiago-manufactured-stone-veneer-siding-5-49-sq-ft/1446768/p-1483514451113-c-19691.htm?tid=3779819854108854625&ipos=5

I did not do much online looking as expected to stay with Menard's for simplicity. Sales all the time like clock work on items, 11% rebates all the time, I am there all the time (don't work for them but contract for them), and returns can be done quickly. Really the bank just need a list off prices and stuff so it was easy to walk around Menards and get them.

I am starting to lean on keeping the back splash. Saves about $300 to keep it, less tile, does not look to bad on High Def counters. I just wish it was not 3/4 thick. Also I seen some counter with out it. Where the tile meats does not look to great.

Marshal, please show the kitchen as it is. It sounds to me like the counter and backsplash are not necessary at this time.