I am a loan officer if I understand your question it would be qualified purchase a home up to $310K. All earnest money, inspection, closing costs, appraisal are expenses outside of the $310K . Your buyers agent OR loan officer can detail the information for your. In many instances you can request for seller pay for closing costs save your $1000's at closing. http://www.lynn911.comhttp://www.homes-for-sale-dallas.com
Generally, the pre-approvals issued by an underwriter (which are the only ones that bind the lender to a commitment to lend) are for loan amounts exclusive of down payment, closing costs, and deposits.
Mortgage sales reps write pre-qualification letters (which are NOT commitments to end) generally are written for the total of loan amount, down payment, and deposits.