Give Nathan Merrick a call and let him know I sent you. He will give you a 10 minute mortgage analysis that will knock your socks off. I have been doing business with him for awhile and he has a lot of great programs and can give you several options and advise.
Scott Riddle, (CSP) Certified Short Sale Professional
Sand Castle Realty Group
The first step is to go to a bank or Mortgage company and get pre-approved. Then find a Realtor that you feel comfortable with.
There are several programs out there for First time home buyers.
USDA is 100%, FHA 3.5% down, the SHIP program is with Collier County which helps with putting a down payment on a home.
You can go to http://www.bankrate.com and play around with different amounts of price of house and interest rates.
For $95,000 @5%= 509.98 That is for P&I but there will be taxes and insurance costs to also consider. But those will be covered when you find the house that you love and want to purchase.
Good luck hunting for your new home!