I'm so scared and worried please help!!

Okay I know this is tmi but I think I may have genital warts! I'm so scared right now and I really need help because I know if I don't ask I won't get any sleep tonight and I'm freaking out. So I haven't shaven down there in a while since to be honest I've had zero luck with guys recently and the last time I slept with a guy was in October. I was shaving my legs tonight and thought I'd just do it all since recently I noticed a bump in my inner thigh and assumed it was either a skin tag or a pimple since it was small and red but once I shaved I noticed a small cluster of tiny red bumps. They don't seem like any ingrown hair I've ever had and don't itch and I'm so afraid. i googled images of genital warts online but everything was ten times scarier, doing research it says they are in cauliflower pattern but I don't know what the hell that means either! My mom's a nurse too but I don't want to call her and have to deal with that and I've never had a pap smear before so scheduling one will take a while but I'm definitely doing that in the morning. Please give it to me straight people I'm freaking the hell out!!! It's been months since I had sex and I swear they weren't there before how is this possible.