First, interest rates are low now. Lots of things to consider, but amount saved for a down payment and other expenses is a huge factor.

I've used this calculator to figure out what I'd need for closing costs. https://uccu.mortgagewebcenter.com/CheckRates (hit "View" next to the loan plan you'd like, and select "Total Costs") It's as accurate as the info you put in. Also, you'll probably want to understand things like buying points and buying out your PMI. With interest rates this low (and they've been dropping for the past few weeks), I'm very tempted to sell points to cover the buyout on the PMI when we move into a home.

We're also putting >10% but <20% (not settled on how much) down. We're setting aside $10k for appliances, furniture, grass, fencing, etc. And we're keeping $10-15k in savings (again, depends on the down payment and a few other factors) which is our 3+ month emergency savings.

We're pretty much in the same position as you, so I'm happy to let you know what we've done and/or are doing.