I mean, I did it in 2021, but interest rates hadn’t gone batshit crazy yet.
You don’t need 20% down. You can pay less and get saddled with mortgage insurance. Once you’ve made enough equity, the insurance drops off and your mortgage payment goes down.
I worked from home starting in 2018, by 2021 I had $30,000 in cash in the bank. 7.69% down on a $390,000 house. 3.25% interest.