<human>: Give me the gist of the text in a nutshell

I'm a couple years out from buying my first home (~350K) and am just starting to weed through the details of this process. My plan has been to save enough cash for everything at closing (20% down, closing fees, property taxes, excise tax, utility start-up, etc). Now I'm unsure if rolling in closing costs is a reasonable thing to do.

We end up putting ~7% into 401K/403B plans already. I intended to fully fund our Roth's for 2013 which would put us around ~14% total retirement contribution. Our retirement balance is ~50K today. Our combined income ~150K so we're a little behind (PhDs will do that. working on it). The income has already started going up with bonuses and raises. It'll be ~165K by the end of the year.

My question is does it make sense to roll closing costs and other fees into a loan when I could use that extra money now to boost retirement? Should I be less aggressive about my cash prep for the house and ensure we put in 15% to retirement every year? Technically, I can do both but this is already on a multi-year schedule and I'm already saving really really aggressively.

House loan expectations are 15 year fixed, possibly financed on my income alone because I have more income and much better credit in a community property state. We don't want the MOST house we can afford, we want the combo of good-enough neighborhood, but not huge/fancy.
<bot>: Guidelines for saving up closing costs in cash vs. rolling them in a loan. The 'extra' money would keep retirement contributions at 15%. Or save ALL the cash with the 15% retirement and let it take even longer.