Like KAT said, where you get the T can make a difference. If I get it at the hospital pharmacy, it runs $87.00 a bottle.
The top surgery depends on the surgeon. It varies in regards to needing recommendations or not and I don't know if any require a person to be on hormones or not. I am still looking into a surgeon myself, but I am already on T so that is not an issue for me.
As for therapist, I just used google to get trans community resources for my local area. STP you can find by google also. I can't recommend one since i don't use one, but I have seen them on multiple sites.