Help with house down payment

Hello everyone, my name is katherine and I wanted to ask help for a house down payment! All I want is a home for my family I’ve been working to get this for about 3 years and every time I was close to my goal something happened and now that I had saved 5% for my down the bank said I can only get the loan giving 20% instead and that is just so much money and I feel it will take me so many more years for me to save that much I don’t have a job right now and that makes things more complicated as I been looking all around and I can only count on my husband salary which is enough for the house bills and rent. Please help me make this dream come true every single dollar counts and my family and I will appreciate so much Thank you, God bless you all.
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