Hello Matt. A quick clarification. The 3.5% down is using an FHA Loan. I suspect that with your income you could quickly get up to a 5% down (or even 10%) and save a substantional amount of PMI (Mortgage insurance required on loans with less than 20% down. FHA requires the highest PMI with 5% about 1/3rd less, and 10% with less than half that.
This is just a small example of things you need to learn more about before actually starting the Buying process.
Be prepared to spend a couple of hours discussing the whole process with a competent Agent. What you will learn will save you many thousands of dollars over the longer term.
Alternatively you could get your real estate education on the cheap, and learn what you need to know by trial and error.