Not sure your age, how long you’ve worked, longer term career plans, etc, but I’d get rid of any on going credit card debt first to have 1 less thing to worry about.

At this point, you have about 4k liquid. Not sure what you have in retirement, but I’m a big fan of the cheapest rental you can afford and save save save. This maybe harder if you care where you live (I never did when I rented since it’s a rental as long as it’s close to work.).

Housing prices probably aren’t going to move up much anytime soon and interest rates “should” remain low for a while (at least according to the fed).

Based on all that, I’d just work to improve my credit (read the fico forums) and save for a larger down payment.