Considering your new numbers, you can't afford a house. Not even close. With your student loans factored in, and assuming you can access all of the $8,500 you have available (cash and 401k) for a downpayment, every calculator I've put you through qualifies you for only $8,500.00 to $10,000.00. With those insurance and tax numbers you estimated, your DTIR is way too high at nearly 50%. As a general guideline, your monthly mortgage payment, including principal, interest, real estate taxes and homeowners insurance, should not exceed 28 percent of your gross monthly income; on top of all that you'll have extra utilities such as electric, water, sewer, trash pickup, and gas. I'm sorry, but I don't see any chance of you qualifying for a mortage at this time. Your best course of action is to remove as much recurring debt payments as possible (and I would not suggest deferring loans - remember, that's temporary, but a mortgage is 30+ years), and looking for ways to increase your monthly income.
