I am a senior citizen who did not manage my money well, so let's get that out there first. However, I am spending this year repairing and upgrading my credit to a good FICO score. I may not have 20%, but my intention is to purchase a condo or townhome (do not want the maintenance of single family home anymore) this year. I intend to be wiser with my finances, so my children and grandchildren will not be burdened. Now to get to the business at hand, there are programs out there that can assist you with down payments and you will be surprised for what you qualify. Google it and make sure they legit, all of the ones I know you do not have to pay anything to be part of the program. I hope this helps, but go for it.