Your first home, step by step

Most of the stress comes from not knowing the order. Here it is.

Get pre-approved first. It tells you your real price range, and sellers take your offer seriously.
Plan for closing costs on top of the down payment, often a few percent of the price. Your lender's Loan Estimate shows the exact figures.
Get an insurance quote early. In Florida the roof's age and wind protection change the price a lot.
Have the home inspected before you're locked in. You'll know what you're buying, and what to ask the seller to fix or credit.
Florida has first-time buyer help programs. They change often, so ask your lender which are open now.

Start a list of homes you like Talk to your broker about the first steps

Sources: Consumer Financial Protection Bureau (Loan Estimate, closing costs); Florida Housing Finance Corporation (programs change). Programs and rules change; check what's current. This is general information, not legal or tax advice.