I'm sorry to be harsh about it, but it is the reality.
You'll need 20% down for a standard loan that does not involve fraud.
There are clowns out there that will suggest all kinds of Mickey Mouse ways to get it done with a lower down payment. but just realize that the penalty for mortgage fraud is $1,000,000 and/or 30 years in jail.
As a secondary idea, there may be a small bank or credit union that will do 80% that will allow a second mortgage by the seller to get you a lower payment or find a seller that has no mortgage that will finance you.
Good luck, but be careful!