Nobody here can answer your question because we don't know your credit score. Your credit score is critical to determine your interest rate which affects your monthly payment. If you plan to put 5% down ($10,000.), you will be required to pay mortgage insurance. Mortgage insurance is to protect the lender in case you default. On an FHA loan, the insurance stays for the life of the loan. You cannot remove it. On other types of loans, it can be removed under certain circumstances.
Estimated mortgage payments shown on listings use a hypothetical buyer who has a 20% down payment + a credit score of 800+. If you don't have this, your monthly payment will be much higher.