It might be wise for you to step back, and focus on paying down debt and not watching your credit score so closely now. Really budget by telling your money what to do, (not the other way around) and being as aggressive as you can about paying off your debt. Then focus on saving for your home purchase. There are other detailed posts here in the last 1-2 weeks that specify the costs of home purchase and ownership. Are you ready for all of those costs? I truly hope you get to your dream, yet get there in a good financial position. It’s worth the wait, too early it can feel like an anchor chained to your neck. Hold on and good luck!