By this time, you ought to have been able to identify somewhere between three and twelve programs that might meet your needs (and vice versa). Note that so far the focus has been on identifying mentors rather than schools: That's quite purposeful – even the most elite school will not do you any good (and will not accept you) unless there is someone in your field able to and interested in working closely with you. You, nevertheless, need to take into account the quality of the overall school and program (two different things!) when assessing your applications. Two questions that loom large are “do they fund, and if so, how?” and “what’s the likelihood of them taking an interest in me?”
The former is, I think, much easier to answer than the latter. Know that there are schools that provide funding – as a rule, R-1 schools, Ivy and quasi-Ivy League schools, and schools seeking to build their programs (e.g., Baylor and, for theology, Wheaton) provide full funding for students, waiving tuition and offering stipends, travel grants, etc. Note that most of these schools cluster around a particular figure when it comes to funding – in 2007, for example, I found that a number of equally-tiered schools start students on annual stipends of $15K, with optional scholarship “upgrades.” By the same token, at least one school was offering a $30K/year (!) stipend for a select few candidates. On a related note, seek schools that fund for five years rather than four (or fewer!) – you don't want to stress about either working or petitioning for additional grant moneys.
Depending on your circumstances (e.g., an investment-banking spouse, a personal trust fund, savings from a prior career), you may, of course, be able to get by without funding from schools. Know, however, that money (as Dr. Thompson points out) means attention; a school that invests in you financially is much more likely to have a stake in the outcome of your studies and will find other ways of supporting you.