about a month ago or 3 hours of use i noticed my ck 25 starting hard and idling very low then running somewhat smooth after a few minutes and blowing alot of white smoke. today i started the tractor and it smoked alot of white smoke, i ran it for 10 minutes and got a check coolant light. so I added coolant to plastic overflow bottle and tried to restart. when i tried to turn over engine it sounded like the it was out of timing and wouldn't start. then it turned over and ran rough so i then shut it off. and am waiting till monday to bring it to my local dealer but cant afford an expensive bill for a cracked head or many of thousands of dollars. the ck25 has 320hrs and is a 2006 model, can someone fill me in with knowledge of cost and how bad it is and how i could have damaged my baby.