We played it super safe because we also don't want to be house poor. While we were oggling houses for 319k for about half a second, We got lucky and found a flipped house in the neighborhood we wanted in Austin for 178k, we got it for 175 and put down 35k. We also paid for a survey and inspection, and got the sellers to fix a couple weird things we didn't catch that they did (ALWAYS DO INSPECTION!)
We were pre-approved for a loan much bigger than the price of the house we actually got, and after the dp our loan is only about 140, which we will be able to pay off SO much faster. Which makes me a happy girl.
Personally, I wouldn't buy a house 200 and up unless you have a very sizable amount for a downpayment in your savings. the more, the better. We over-did it apparently (according to our friends who all had maybe 5-10k to put down, while we had 40 in all but only used 35) but we've both been saving (long before we ever met) specifically for that reason. We close next month and i'm going to sleep a lot better at night knowing we had a nice chunk to put forward.
as far as moving costs, we really dont have any. Since we aren't moving far away, we have friends helping us move, not paying people to do it for us. I'm not worried about having money for decorating or extra furniture any time soon either, because that's simply not terribly important right now. As long as I have a roof over my head, i'll mess with extra stuff as it comes!