There are other costs, such as the real estate transfer tax, 1/2% of the purchase price which is charged for both local and state making it 1% total; title insurance and title search. There can be lender fees, inspection fees, and etc.
You also need to have money to pay the first year of homeowners insurance and to set up an escrow account for taxes and insurance. This will depend on the amount that you have for a down payment.
I offer first time buyer consultations to help guide you in what you need to do to purchase a home. There are times that you may fit into a program to help you with that purchase. Please call me if you would like to meet with me, no obligation, just information. Call Barbara at 717-608-1284.