X-plan is a discount that you can get if your employer has a deal with Ford. It is usually right around the best price you'd be able to negotiate anyway. If I remember for my 2008, it was around 10% off.
As far as payments, etc., just go to Bankrate.com and go to the auto loan calculator. That way you'll be able to figure out exactly what it will cost you based on how much you can put down and what interest rate you think you'll be able to get.
For insurance, you'd have to do a quote from Geico or something to get a good idea. It varies soooooo much from state to state and person to person. Not to mention what coverage levels you get... For reference though, I'm a 24 year old male with no accidents or tickets on my record, insuring the car in Virginia with standard deductibles and coverage levels. It cost me a shade over $90/month.