<prompt> Human: -26yoM.-Federal job with current salary around 75k 4300 take home a month.-Didnt save much of my money through college in NY. The day after graduation I got a job that I had to move to AZ for. I had to put much of my beginning costs on credit while I rented and started my life from nothing other than suitcase of clothes.-Purchased a new vehicle for 22k. Currently 9.5k left with 300month payments at 3.-Short story, rented my 4 years in AZ but still struggled to an at the time low salary and ups and downs in life. Was taken down the love path of someone where ended up being a money pit by taking care of that person more than myself.-6 credit cards with 66k limit total. -Currently have 23k utilization. Was 29k a few months ago. Been putting every extra money on it No excuses to that high. 2 cards have zero balance. 1 has 9k 16, 1 has 8k 18, 1 has 4k 0, 1 has 2k 0. -Current savings: 2.5k-Now Im living with parents for now, monthly min bills CCs, phone, car: 800-Current FICO score from CCs: 705-Current Credit Karma score: 698-Employment 401k: 35k-The last few months every penny of mine has been going to my credit cards. I have been feeling so good about it. Im trying to pay down the least one and when it has zero balance I was going to buy a home. Started doing digging and I think I screwed myself heres why -I want to be in my own home by January 1st. I figured I can have 12k in savings by then pending everything goes well. -There are some great houses on market now that I want to look at but I doubt they will show me them now without pre-approval. -Do you think Ill get denied if I try for a pre-approval now because I have only 2.5k in savings.-What should I do right now with the position Im in?-Looking at house that is listing at 99k, 140k, 165k, 170k. -I know NY has a down payment assistance where I would only put down 3. But Im only qualified until January 1st, after that I will bump in salary over the 78k cap.-I thought of possibly pulling out a 401k loan to myself for 5k to pay off two of the cards but my father suggest thats a big no, no. -Please, none of the you managed your money now or anything like that. I know the position I am in and my past is in the past. I now have to live with it and move on. -Please, any advice helps. I want to finally have a place that I can call my own.  <response>: You want to pay off the 23K in credit card debt before you think about saving to buy a house. 