Sounds a like a smart move.
We recently had a similar experince. Our family grew a bit quiker than planned and we outgrew our TT, which was a model year 2012 bought new in 2011. We deided we wanted a bigger floor plan that would fit us better. We put a plan in place, sold ours on Craigslist in Dec (took 4 weeks) and headed to several dealers to cut the best deal possible on a new unit. After grinding with a sales rep at one particular dealership and not getting exactly the deal we wanted I left. Once home I hit the internet looking for other options...stumbled accross a private party used model year 2012 in the same brand/floorplan we had just been trying to buy new. Long story short, went to check the used TT and bought it on the spot. Ultimatly I got exactly what I wanted, same model year I previously had, only paid $2K more that I sold my orignial unit for. We are now very happy to have the TT we wanted and even happier to not jumped into a huge loan.
We aren't as fortunate as you to have no loan, but we only have a 24mth loan and then no more payments for us too.