Owning a home is within reach in these 10 cities, where buyers need less cash to achieve the American Dream

• Realtor.com has identified the top 10 US cities where homebuyers make the smallest down payments.
• "A lot of folks just don't have that extra cash," the report's author said of 20% down payments.
• Killeen, Texas, tops the list with the average down payment coming in at 5.3% of the purchase price.

High home prices and mortgage rates are locking many people out of the housing market.