score:16
Without knowing which country you are applying for a visa for it's impossible to answer this with certainty, however...
I suspect your chances of having your application rejected are extremely high. Ignoring the fact that you have ignored the explicit instructions for the application, photos (even those printed at home) are generally printed onto special "photo" paper, not standard paper. Any photo printed on standard paper is likely below the standards that are set for the photograph.
For example, the Australia photo requirements state that the photo must be "Good quality, colour gloss prints, less than six months old", whilst those for the US state it must be "Printed on photo quality paper" thus standard paper will not suffice for either of those two.
Many countries do allow uploading a photo during the (online) application process. In this case they will normally include a copy of the photo on the application form, however this is intended more as a confirmation that the photo has been supplied rather than to be used in it's own right. As they have the original (uploaded) photo, no physical photo is normally required in these cases.