While that HSBC card is closed, it will continue to report for the next 10 years or so.  You have zero balances on your 3 remaining cards, so your UTIL is just fine.  IMO, you don't need a new credit card right now.  Do not app for anything right now - you are too close to beginning the process for a mortgage.  Plant yourself in the garden, at least until after you close on your home purchase and your loan is funded.

Good luck!

FICOs: Walmart TU08 800 4/3/13; TU98 783 5/2/13; EQ 758 5/2/13; EX 741 (per US Bank 7/24/12)

My Wallet: Amex Gold NPSL w/Pay-Over-Time; Amex Optima Platinum $25K; Amex Costco TE $5K; Amex BCE $4K; BofA Visa $10.1K; Cap1 Cash Rewards Visa Signature $8K; Chase Freedom MC $7.5K; Citi Simplicity Visa $10.9K; Discover $5K; US Bank Cash+ Visa Signature $20K; Walmart Discover $10K