My guess is that she may have some furnishings. I think if she was going to have a coat like a pomeranian, she would be way fluffier, even at this young age. I once fostered a puppy (Australian Shepherd/Border collie? mix) that was plush like this at the same age. As an adult, she had a long-ish, flat, glossy double coat with butt fluffies and a ruff that were thicker, if I remember correctly.
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First time Chihuahua owner with many years of dog experience!