Check to see if you qualify for a VA loan (if you're a veteran) or a HUD or WHEDA loan as first time homeowner.
A 30 yr. mortgage of $65,000 will run you 10% down with one of these loans, and your monthly payment would be under $200 in mortgage. Property taxes vary, but you'll generally need under $2,000 for that at the end of the year, a mortgage can roll in that amount for you so they cut a check for you in December.
You WILL be responsible for the water bill every 3 months, the gas/electric, phone, any repairs and the upkeep of the structure. Plus filling it with furniture, drapes, etc.