Now that you have been pre-approved for a home loan, have you set aside the funds for a earnest money deposit, home inspections, appraisals and surveys? Once you have decided on a realtor, ask them how much it would cost to get through these steps. Here in Florida, you would be looking at at least about $2200 from offer acceptance to closing for homes under $200k. In addition, find out from your lender, what you closing costs and down payment would need to be on a house in your price range. It is a sad situation when a buyer finds the home, and cannot complete the process.