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Oh, now a basic home isn't good enough for you. Let me guess, it needs a swimming pool, three car garage, and a finished basement, too.
Yes, $20K down will get you a standard 3 bedroom home. You want to have a McMansion which is unaffordable for 99% of the American public.
20k will not get you a 3 bedroom home. Do you by chance live in West Virginia? Their median home values is under 200k, and even then, 20k won't get you there. Trust me homeboy, 20k will not get you far, not even in the cheapest of regions.
The median US house value is 430k. The lowest legal downpayment is 3%, but that's plain stupid. Financially, anything under 20% makes no sense. Your mortgage will be super high and you'll have to pay for morgage insurance which you don't have to do if you do a downpayment above 20%.
Also, if it's so cheap and easy to buy a house, why isn't everyone buying a house right now? The majority of millenials and forward are renting and you're telling me half a year of rent is enough for them to get a house? Clearly they would have figured that one out by now.
Just so you understand my living standards. I do not own a car at all. I could financially afford one, but that wouldn't be a sensible investment.
You can buy a 3BR home for $130K in Oklahoma City, so yes putting $20K down will absolutely secure you a home.
The median house proce in Oklahoma is super low. Try finding a home in the west.