It depends on you, your income, the homes you like, your plans, just to name a few things. 20% or more will eliminate the need for Mortgage Insurance which insures the lender, not you. If you don't have that much, it will depend on what you believe will happen in your area. Will purchasing become more expensive through higher prices, rates or both faster than you can save up more money or can you get to 20% pretty quickly?
Do you have a VA or USDA option? Are there other local programs that may benefit you?
The only way to know what makes the most sense for you is to meet with a great local lender and explore and understand the options. Best of luck.```