Here's how I would approach it:
With about $77, you can zero out five cards, the one at 6.3%, and the four that are in the one percent range. That's five more zero-balance cards that will help your mortgage scores, and five more cards whose minimum payments will not enter your DTI calculations.
With another $4000 you can use, you can bring your aggregate usage down to 19.8%, which is much better than where you stand currently. You want to try to maintain no more than 28.9% aggregate reported usage (8.9% is much better but below 28.9% is a solid scoring threshold and a major marker for borrower stability). The lower the better.
The key is to be strategic - not all paydown strategies are equal. As mentioned upthread, mortgage scores love zero balances. Paying off as many of your cards as possible is great. You also want to get everything under 28.9% individually though. The problem is the closed cards - they total $6462.25, which is over half of your outstanding balance. As good as it would be to pay down your open cards I think your best bet is to pay off as many of the closed cards as you can. Because of that, I would pay off all of them except Old Navy and Care Credit. This will consume the entirety of your $4000, but it wipes the slate on seven accounts. Combine that with the $77 above and you end up with 7/9 closed cards at zero, only two closed cards with balances, and five more open cards at zero.
Any holes in this theory, I welcome constructive criticism and correction so we can best advise OP on her plan going forward.
