I'd love to speak with you and help narrow things down a little bit. Generally lenders will take about 40-45% of your gross monthly income ($1067-$1200) and then subtract your monthly debts listed on your credit report - credit cards, car loan, student loans, etc. The amount left over would equate to how much of a monthly mortgage payment you'd qualify for.
In this case based off of the information provided, that would come out to between $867 and $1000 per month.
From there we work backwards to arrive at a recommended or maximum loan amount. It could be more or less than $105,000 because this mortgage amount needs to include property taxes, homeowner's insurance, and PMI since you are putting less than 20% down.
Like I said, feel free to give me a call or shoot me an email. 10 minutes on the phone to answer a few questions can help make things much clearer.
I'm glad to help.
Loan Officer -NMLS #966417
WCS Lending, LLC
Toll Free: 866.936.5363 ext. 278