You need to be fully "preapproved" first. That means a licensed (which Wells Fargo loan officers are not) and expereinced loan officer hasnot only pulled and throughly reviewed your credit, but also has copies of your most recent pay stubs, applicable bank and saving/ inevestment statements, last 2 years of federal tax returns with all schedules, and a copy of your driver license or state ID, to properly substantiate gainful employment, income, and assests. With this you now know exactly where you stands when it come to how much home you can afford and whether or not you're going to be able to make it to the closing table. Without this, you're just guessing in the dark and talking a very long walk off a very short cliff.
You will need to pay home owner's insurance, make sure your coverage is appropriate to your area and it should be fairly reasonable, and you will need to escrow your property taxes. While you pay those with your house payment and they CANNOT be calculated by the bank until you have an actual accepted offer, you can reasonably expect to pay at least the average for the price range you are looking at.
Have fun house hunting!