As other people have posted you need to find a lender and a REALTORÂ® that you are comfortable dealing with and they can help walk you through the process.
If you put down 3.5% for an FHA loan, that is right at around $4,000 on a $115,000 home. Like one other person mentioned you will need to find another way to cover your closing costs, which are often negotiated on the contract with sellers. But depending on the type of financing you choose and other factors, those can be around $4,000 as well.
If you have a bank you are comfortable with I would start there first. That will give you an idea of if you are financially ready to purchase a home. Then pick an agent that you want to work with to find a home.
If you have any additional questions I'd be happy to help, just let me know. Good luck!