Just to add on to something August27 said - there will certainly be PMI insurance if you are putting down less than 5%; however, you can do borrower or lender paid mortgage insurance up front to avoid that if you choose. If means far lower monthly payments but a larger sum up front. And don't forget that closing costs are pretty hefty, too.
In addition to this, check out houses online. Sites like Trulia and Sawbuck will tell you real estate taxes, estimated home owners insurance, etc.
Finally, my best tip would be to run a credit check for yourselves. They are free once a year through each of the three major sites (TransUnion, Experian, Equifax). A lot of people think you'll affect your score by making an inquiry, but self inquiries don't actually affect you. Instead, you can see if there are any mistakes or problems that you'll want to fix before it's time to actually buy. Clean everything up now and lock in a great interest rate later :)
