the banks will gas you up with the percentage you need to put down. hopefully they printed out a full estimate of expenses for you...that'll give you a better idea of what you really will be spending when you close. if you are as far along as it sounds, this info is probably already somethign you're aware but might as well put it here for other folks.

but on the same token...you just have to have money ready for shit. closing costs gets you to the purchase but once you buy it be ready for that first big disaster. i feel like everybody who buys a home, especially that first home, has one. it doesn't have to be anything overly dramatic but after spending all that money to put down and close on the house, having to spend X a month or two after you move in on some BS you were not expecting is pretty much a disaster unless you have the money saved up. if you can help it, have something set aside for that.