Step 1: Write the circle in standard form.
Given,
\[
x^2+y^2-4x-2y-20=0
\]
Complete the squares:
\[
(x^2-4x)+(y^2-2y)=20
\]
\[
(x-2)^2-4+(y-1)^2-1=20
\]
\[
(x-2)^2+(y-1)^2=25
\]
Step 2: Identify centre and radius.
The centre is
\[
C=(2,1)
\]
and radius is
\[
r=5
\]
Step 3: Find distance of point from centre.
Let
\[
P=(10,7)
\]
Then,
\[
CP=\sqrt{(10-2)^2+(7-1)^2}
\]
\[
=\sqrt{8^2+6^2}
\]
\[
=\sqrt{64+36}
\]
\[
=10
\]
Step 4: Find least distance from point to circle.
Since point lies outside the circle,
\[
\text{least distance}=CP-r
\]
\[
=10-5
\]
\[
=5
\]
Step 5: Final conclusion.
Therefore,
\[
\boxed{5}
\]