I just turned 25. I've worked 10 months at my first job out of grad school. I have $10K saved. In 2008 I'll make $83K base and $10-15K OT. My credit score is around 740. I live in Northern Virginia (Alexandria) and would like to buy a townhouse/condo within Alexandria or Fairfax County. I'll be getting $5K (post-tax) in March, so I'll probably have $18K by March (when I would be looking to buy. I've been browsing real estate listings and saw a few things I liked around $300K. How realistic is it that I can get a loan? How much is PMI going to be if I put down 5% or 10% (I could probably get money from my parents to bump up a down payment to 10%).