In the past, most lenders required a 20% down payment for the purchase of a home. While this is still generally true with investment and business property, things are much more lenient for owner-occupied homes.
Conventional loans require as little as 0% to 5% down
FHA financing can be had with as little as 3% down
And VA loans can be obtained with nothing down
Some programs even offer 103% financing - 100% financing for the home, and 3% cash back to pay for moving, closing costs and other expenses.