Congrats on your decision to buy your first home. I would suggest that before you look at too many houses, you meet with a mortgage broker. The broker can review your income and expenses (and debts) and credit and discuss what type of mortgage you qualify for and what your monthly payments would be (including taxes, insurance, closing costs, etc.) Also, they will explain how much down payment you will need to give in order to qualify for the mortgage. Very rarely will banks lend 100% on homes - that liberal practice is a big reason the country is in a housing crisis today. Make sure to get a written estimate from your mtg broker - it's called a 'good faith estimate' and they are required to provide you with one in the State of Florida.
I also suggest you meet with a Realtor and discuss what you are looking for in a home and where you'd like to live. The Realtor can show you different properties which meet your criteria (including the budget your mortgage broker provided you). Hopefully the property you've selected falls into those guidelines.
It's an easy process with the right planning, but can become complicated if unexpected problems pop up (like problems with inspections, appraisals, title, etc.) Since it's your very first home, I urge you to use a Realtor to help guide you through the process. Remember, in Florida the Realtor commission is paid by the Seller, so you get their good advice for free!
Feel free to contact me if you'd like a recommendation of a good Realtor in Tampa. We have some great ones we work with there!
Best of luck and congrats!