The broken lease might really hurt the most--especially if ANY payment amount reports w/in the monthly payment column of your credit report or if it is ever sold or becomes a judgment.
If it's a valid claim then it could continue to haunt you if you don't address it and pay/settle somehow.
The broken lease and maxed out CC should be taken care of ASAP, then your score should increase some. Which will help with CLIs on current CC, and may be needed to show experience with higher limits. Something the Bank will consider when loaning large amounts, and whether you have demenstrated the ablity to repay such an amount.
Based on your current situation though, I feel you're a good year(or more) away from securing favorable financing to purchase a home.
To determine your DTI, take your total debt and divide it by your income. Banks typically like to see it under 43%.
Any bill that reports will factor in.
I just payed on those cards from above the new totals are:
Discover $0 of $750
Fingerhut $100 of $800
Bofa $49 of $400
TDECU CLASSIC MASTRCAD $$82 of $300
VS $226 of $350
Amazon $563 of $600
I do plan on paying off the lease beg of next month. I do have 3 open installments.
I have 13 cards in total the highest CL i have is $1500 Care Credit. I don't want to take any hard pulls for asking for additional increases at this point. In total i beleve i have about $8000 CL if all my cards are added together. I did just get an increase on my Disco card when it graduated it was automatic, should i request another? Oh and im paying off the Sun Loan balance as soon as i get off today.
Depending on the state you're in, here's some info on determining if the DTI is a fit: https://www.fha.com/fha_requirements_debt
Some of the qualification and programs have state specifics, so for Arizona: http://fhamortgagearizona.com
If you're looking to determine the limit of what you can borrow, here's a county lookup tool: https://entp.hud.gov/idapp/html/hicostlook.cfm'
That all said, as rates are on their way up, it'd advisable to get a rate locked in with a pre-approval sooner rather than later. That doesn't mean you've commited, and you can always rate shop - but it'll at least help if rates do go up while you're in the process of buying.