Every state is different on bank rates and insurance, so all you can do is shop around. Don't be afraid to research and shop as long as possible, saving up as much cash as possible before you buy. It sure feels good to own that rig the day you get the title!
Also be careful not to get too hung up on a particular make/model, especially for your first RV. Budget, floorplan, and condition are much more important factors than year/make/model. Most RV's are pretty similar, with minor feature differences here and there. Research research research, look at a bunch of rigs in various designs, imagine "living" in something for many days/weeks (depending on your planned usage) and not just the 15 minutes you are checking it out, and those things will help you determine the best type to consider for purchase.