Mildly Infuriating
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The reason why people go for the 20% Mark is because once you clear 20% then you don't have PMI, or private mortgage insurance. That typically runs three quarters of a percent of the purchase price of the house until you have 22% of the house paid off, and you have to pay that on top of your mortgage, the interest, and the taxes and insurance.
For every $100,000 you finance that means that if you pay less than 20% down you will have to pay an extra $750 a year just as a "couldn't afford 20% down" fee.
And typically to get the first quarter of your mortgage paid off takes 10 years, so for many people that will be $7,500 per $100,000 they borrow to buy a house as the poverty cherry fee on top of everything else.
I'm aware, having bought my house about 2 years ago. It doesn't change any of what I said. 20% is nice for that reason but it is not a requirement and most people don't put 20% down because they don't have the money to do so.
Hell, I intentionally didn't put 20% down because my interest rate was under 3%. Was better off taking the extra money and sticking it in investments.
You can also work with the lender to perform an appraisal once you have 22% equity due to the property value increasing which may only take a couple of years depending on the market.