If you have good credit, most banks should be comfortable giving you a loan that you can clearly afford for only 10% down.
If you put less than 20% down, you'll most likely have to pay for PMI (Private Mortgage Insurance). This will be rolled into your regularly monthly payments. Once you've paid enough of your mortgage off that you have 20% equity, you'll be able to have PMI removed (usually after a "seasoning" period of a couple of years).