If you need 20 percent to go through the bank only, does that mean i need 6000 for a 30,000 house?

i was going to buy a 105,000 house, insurance (pmi) won't insure me, so my mortgager told me the bank would loan me but not the insurance, and that if i go through the bank i need 20 percent or a co signer, i have no cosigner. So technically i'd need 6000 to buy a 30,000 house right? well more like 2000 extra for the legal fees and inspection..