How much do I need to have in savings before trying to qualify for FHA loan.?

I am a first-time home shopper in So California. I have the credit score, yearly income to qualify for at least $100,000. There are lots of homes in this price range where I'm looking. So including all the application fees, closing costs, 3% down payment and other fees, I need a ball-park figure to have in... show more I am a first-time home shopper in So California. I have the credit score, yearly income to qualify for at least $100,000. There are lots of homes in this price range where I'm looking. So including all the application fees, closing costs, 3% down payment and other fees, I need a ball-park figure to have in savings before I actually apply for a loan.
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