NO, that's not standard for the borrower to pay all the closing costs and I can get a deal done for you with 3.5% down and if your a vet, nothing down. That said, if you can put down 10%, I can get you into the best arrangement that works for you and doesn't require the full 20% down.
This assumes you have a decent credit score, income I can verify and so forth. It's not as bad or as hard as the media(who NEVER sensationalizes anything), makes it out to be.
PM me or call me at 713-888-0101. Chris Sizemore 18 years in the biz.