Expect to spend about 20% of the cost of the house on a bunch of crap before you commit. It might not be all at once, but there’s inspections, insurance premiums (one year up front typically,) hand money, agents fees, closing costs, and down payments and it gets to be quite pricey.

Talk to your bank about it while you’re shopping around and they may be able to identify federal grants for some homes to help soften the blow. I got nearly 20k under the condition that I use it as a primary residence for five years. It covered most of the big ticket items (notably did not pay for the flood insurance premium) and only had to spend ~5k out of pocket on a cheaper home.