Don’t know the rate for the credit cards, but those probably should be paid off first.
For the home, even with 3.5% down on a $300k home, you will probably need at least $15k to purchase. Then you should have additional cash reserve and a few thousand $ for any unplanned maintenance and purchases for the home. Some of the places you may even need to do some replacement before move-in.
Also, your credit score will force you into a higher rate for a mortgage. But once you do get the money, look at how long you plan to stay (should be at least 5 years) and then look to see if the monthly cost of ownership is less than the equivalent rent for that house/condo.
I’m 30 and I just bought a place too, but I put 20% down and made sure I had at least 6 months of salary in cash reserve.
