Is the late on your trustee payments or some other account that was not included in you BK? I do know you must show the last 12 consecutive months of ontime payments to the trustee as well as 12 months of ontime rent, but not sure how another account late may affect it. If you are talking about the trustee payment I think it would only push you back a month until you can show the last 12 where ontime and paid by or before the due date. When I first started paying, we were not sure of the due date so the first few payments did not go in on time. I did not try to get approval until after o had discharged so my situation is not the same as you describe so not exactly the same.
It depends on what lender you apply with. Most will struggle due to that late payment, but my company will only require 12 months of consecutive on time payments, a good LOE (letter of explanation), and approval from the Trustee.
NOTE: If you are late again, the 12 month clock starts all over again. So be diligent