If you can qualify for FHA, you can put 3.5% down. I've also heard Wells Fargo will do a 3.5% down conventional loan, also.
Plus, there may be sellers who will agree to seller concessions and you can take advantage of that $$$ also.
In East Texas, the local banks work with t he buyers, one on one, to do in-house loans depending on your income, you dedt to income ratio and your credit history. Dependng on your history, you will get your individual loan down payment amount. Pays to pay your bills on time.
Most will not have to put 20% down, it will depend on your credit and financials, there are no money down loans, 3.5% down loand and 5% down loand. you should start by meeting with a local and trusted loan officer. They can prequalify you at no cost and let you know what is available to you.