A full housing payment generally consists of 4 or 5 parts and is referred to as PITI. This stands for principal, interest, taxes and insurance. Principal and interest payments are generally what are quoted from banks or calculators. For a $100,000 house, after the $10,000 down payment the loan amount would be $90,000 and at today's low interest rates (3.5% - I'm assuming a 30 year fixed rate loan and you have great credit), the principal and interest payment (PI of PITI) would be about $420 a month over 30 years.
The T (of PITI) is property taxes that (nationwide) average 1.5% of value per year (BE CAREFUL HERE! I have personally seen anywhere from 0.5% per year to 4% per year). So assuming your house is valued at $100,000 you'll pay about $1500 per year in property taxes which is another $125 a month.
The final part of PITI is insurance. With less than 20% down, you'll have 2 kinds to pay. Homeowner's insurance and Private Mortgage Insurance (PMI). Homeowner's insurance should be ~$500 per year (unless in hurricane country and then multiply by 5). That's another $42 a month. Private mortgage insurance could easily add another $100 a month to your payment.
So the total payment is PITI - $420 + $125 + $42 + $100 = ~$687 a month.
So, unless you live in a high tax or insurance area, it looks like you could go over $100k - maybe $115k?