What kind of programs do you need to build a webpage?
Your going to need an image editing program, your going to need an html editor, and your going to need an ftp program. There is some free stuff out there you can use. Some of the free programs are just as good if not better than some of the programs you pay for.
image editing
gimp
html editor
nvu nvu has an ftp program built in, but I wouldn't use it. I prefer to save my pages on my hard drive then use an ftp program.
Ftp program
FileZilla - Client Download Filezilla