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Producing music at home is not expensive anymore.
Assuming that you don't have much experiance in this field, there is several entry-level products that can open your path to more sophisticated production systems.
For example Hip-Hop eJay is good place to start. Magix MusicMaker too (see links below).
There's also a bunch of free audio loops and samples on the net. You need just a quick search in google :)