you have to mentioned that you salary is in which currency.
As a general rule to work out the high end of what you can afford you should multiply your annual income by 3.5.
In your case this means you should be able to afford a home of value $290,000.
It is best for you to save 20% of the mortgage as a down payment
otherwise you will need to take out insurance at the banks request.
Since you are only making a $10,000 down payment you will definitely be required to get this insurance since this is only a 4% down payment.
you need to save $28000 or $38000 more.
With this down payment you will still need to borrow $206000.
your monthly mortgage payment is going to be $768.
Making $38,000 means you are making about $3145 a month.