It is really important that you remember to budget for closing costs! A lot of people get really excited about making an offer, but then find out that they have closing costs they need to pay on top of their down payment. To prevent this from happening to you, talk with your lender ahead of time. They'll give you a really good idea of what your closing costs will be. Once you have that information, talk to your Realtor so she can manage those costs within your offer.