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People unfortunately place an unrealistic value on the notion of "owning a home." You have to look at it purely from an investment point of view, not an emotional one. At the end of the day, it's only a place to live, thinly veiled as an investment.
I don't know about the real estate market in your area, but if there are homes for $100K, it's likely not good. That $100K asset will do little to nothing for you except save you some money on taxes and shelter you from inflation. Guess what...there are many other investments in different asset classes which will provide the same, plus give you income and/or a greater return. The only issue there is that you can't leverage your $20K to buy $100K worth of other assets as easily as a home.
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