1st there are programs you can look into that will help you with that 20%. Take a look at NACA's (The Neighborhood Assistance Corporation of America) Purchasing Program: https://www.naca.com/
2nd: Renting isn't always a bad option. Here's a checklist to help you see if you're really ready for homeownership: http://thebudgetnistablog.com/2014/buying-a-home-checklist/
www.livericherchallenge.com <--my new, free, financial resource for women.