No it's necessary to put 20% down..
A good Realtor should be able to inform you of other ways, including Down Payment Assistance..
If you need help to raise your credit scores fast, Feel free to contact us.
We specialize in raising FICO scores dramatically, in weeks, not months or years.
As a matter of fact with one of our most recent clients we raised his score from 552 up to 729 in 3 weeks.
Hope This Helps
IZM Credit Services
(702) 758 - 3799