You do Not need to put down 20% to buy a house.  You can put down as little as 3% (depending on what you qualify for).  Let take a look at the different programs:
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Conventional First Time Home Buyer - There are a couple possibilities for first time home buyers that will allow you to get a mortgage with only 3% down.  Home Ready and Home Possible both allow 3% down.  To qualify, you should have a better credit score (around 660 or better).
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FHA – Most FHA loans can be done with only 3.5% down.
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VA Loans – Qualified Veterans can buy a home with Zero down.
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USDA / Rural Development Loans – If you live in a more rural area, a USDA loan can be done with Zero down.  Please contact me to see if this loan is available in the area your are going to looking in.
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The question that most people ask is “why was a told I needed 20% down?”.  It’s only because at 20% down, you would not have to pay PMI (Private Mortgage Insurance).  This would increase you monthly payment.  
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If you have any questions, please reach out to me today and I will be happy to help.
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Thank you!