I'm going to be one of the ones who doesn't fault you for not putting 20% down. we didn't when we bought in the fall of 2014. but if we had waited to save it up, we would have needed to spend almost 20% MORE on the cost of the house, as that's how fast the market was/is going up around here. so our 140/month PMI cost ($1960) has gotten us $40,000 in equity, plus allowed us to rehab the house to make it our own immediately rather than years from now, plus added probably $12,000 to the home value. If I could consistently turn 2k into 40k I would have retired years ago!
also having a house helped us stay grounded, has made starting a family easier (our first son was born 4 weeks ago), and the tax advantage was $5k in our favor this year, mostly from the home. Sure we pay more in taxes, but we moved to the best school district in the area. This house may just be the best investment we've made