I just closed on a home in the City of Alexandria and I can tell you that closing costs in the DC metropolitan area are higher than you would expect.  Make sure you account for state & county transfer taxes at closing which set me back over $2500.  Also with the prepayment of a minimum 3 months property taxes, you are looking at probably another $1000.  Make sure you get a GFE from several lenders before allowing them to pull your credit and start comparing.