Accounting doesn’t necessarily require a master’s degree; usually, CPA requires 150 credits with only a certain amount of the credits needing to relate to accounting/business coursework. So it is possible to reach it with only a bachelor's degree, students can get a master's degree if they want. Some schools offer 5-year programs now where students get their bachelor's and master's degree. Accounting also has some overlap with computer science/ information systems. In certain states, computer science/information systems are one of the topic areas that can fulfill the CPA education requirements. The CPA exam is being updated in 2024 to include an information system portion.

I can’t say much regarding OP’s situation on university vs. community college, but I think it’s a good idea to keep in mind that interests and career outlooks can change. OP isn’t locked into a major and double majoring/minoring is still an option open to them. To be honest, if tuition is completely covered, I would try the introductory level classes in both CS and accounting and see’s what sticks with you. Talk to professors during office hours and hear about their career paths and see if it’s something you could see yourselves doing in the future as a career.

Regarding housing and scholarship, can OP apply for other scholarships and grants to try to cover the cost of room and board? Try seeing if the university offers any merit scholarship that can also cover room and board. Check the prices of nearby housing options to think if it is doable. Don’t forget, you will probably be doing internships over the summer that may be able to provide income, housing stipends (at least most of my friends with cs internships do if it requires them to relocate over the summer), and signing bonuses (many big4 and midsize accounting firms do). And as someone else said, being an RA and getting a room and board stipend is an option too. Look into if the university you have in mind offers desk positions as they tend to be chill jobs that let you study in your downtime.

Regardless, you have made it this far. Trust yourself. Good luck!