Find a lender you trust and who will work with you to see exactly what you qualify for and what amount of funds will be necessary. It is important to know all the details as buying a house is a complicated manner. Also note, and this is very important. Just because the bank or lender states you can afford "X" amount to buy a home does not mean you should automatically spend that much.
Take the time to look at your lifestyle and budget to make sure you do not buy a home that will make you 'house poor". The bank may state the highest dollar amount you can qualify for but only you can decide what will be a comfortable payment for you.
Best of luck to you as I know this is an exciting time!
REALTORÂ® | Mortgage Broker
Keller Williams Realty | 360 Lending Group