What is the interest rate? Does that payment estimate include projected taxes/insurance? What are you being charged for PMI?

Running the numbers, if you have $1250 in annual property taxes, $350 for homeowner's insurance, $5k down, and a 7.235% interest rate....the payment calculates out to $842/month. Hell, the base mortgage payment on a $96.5k loan at that interest rate is $657/month. And that ignores the taxes/insurance/PMI. So a monthly payment hovering at or just above $800/month sounds about right.