Would I be approved for a mortgage loan without a co-signer?

I have been at my current job for 3 years now and make $ 40,000 a year. I am 22 years old and married. My wife has no credit and just a part time job. My credit score is around 670 or 774 on the vantage score chart. we are looking at a house for $ 100,000. Would we be able to get approved for that amount? Also we are first home buyers and don’t have a down payment. Would we qualify for the first time home buyer credit and loan?

Thanks for all your answers as they are very much appreciated.

I’m hoping for a chart that shows how PMI costs vary depending on down payment, term of loan, etc.

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