Living under your parents' roof complicates matters some for reasons already mentioned. Also, your parent's are very aware of your comings and goings. They worry more if you come home late, for instance. Living on your own, they would be less aware. They'd still worry, but in a more generalized way. I still worry about my daughter crossing a busy highway, and she's 17.
It's hard to let go.
As an adult, you will need to decide what you are going to do. FallingWaters lists some excellent points to consider in making that decision. You can honor your mother by listening carefully to her advice and acknowledging her concerns. It will be helpful if you can offer solutions to her concerns, demonstrating that you have given them serious thought. See if the two of you can come up with a plan you can both live with. Not knowing her, I'm assuming that she's not being controlling, but truly wants what's best for you.