Please talk me out of buying my dads truck

Long story short, my dad passed away and I want to buy his truck off my mom. It’s a 2021 Tacoma with a private party sale value of around 28k. She wants to sell it by March. I have ALWAYS been against having a vehicle payment.

I don’t have the liquid cash to buy his truck outright. I realistically could put 8-10k down and would have to finance the rest. I currently put around 1k a month into my savings (401k and HSA investing excluded). If I financed the truck, my saving amount would only be half that.

I understand that my grief and emotions may be playing a role in wanting to do this, but I’m also trying to be logical and not make a decision strictly based off what I’m feeling.