$20 bucks is sketchy, like too low. There are a bunch of fake GPUs on wish and some of those other chinese websites right now, make sure you aren't getting something like that. Also for REAL get an SSD, it's not even just about read/write speeds, it's latency. If you are still just using hard drives, it's seriously one of the biggest upgrades you can make right now, and you can get 250 gig ones for about 30-40 dollars. Worth looking in to.
As for your gpu, buy it used from ebay and get an 8gb card if you can. The 470 4gb is fine, though, and plenty cheap, but I wouldn't go any lower than that. Good luck.