Mortgage insurance can kill your monthly payment and qualify you for less of a house. 
Here’s a way around it, provided you have good credit.
Whenever a loan is for more than 80% of the value of a house, you are required to pay mortgage insurance (MI). If you have less than 20% down, and you get one loan, you will have to pay MI.
The way to avoid MI is to get two loans. You need a 700 credit score or higher, and you need 10% down. The first loan will be for 80% of the value of the house, the second loan will be for 10% of the value, and the remaining 10% will be your down payment.
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