Real talk, forget about a down payment. There are a bunch of different ways to get a 0 down mortgage with varying qualifiers so that chances you qualify for one of them is quite decent.

Even if not, there are still a bunch of other ways to get low down payment mortgages for ~3% down or less.

Toss out the old adage of “20% down or bust” and keep any money saved towards it for savings for all the other costs of home/closing