There are many programs that do not require 20% down.
VA and USDA offer 100% financing to qualified buyers.
FHA requires a minimal down payment of 3.5%.
First time homebuyers may also qualify for a conventional loan with as little as 3% down. There is also a program called My Community Mortgage. This program allows for a low down payment of 3% but has a much lower mortgage insurance compared to the traditional conventional loan to qualified applicants.
I have over 9 years of experience and would be more than happy to answer any questions you may have. Check out my references on Zillow
Thomas J Wolff- Branch Manager