Good for you that you have paid off all your CC debt. Does that mean that all of your cards are reporting $0 to the credit bureaus? That is not ideal for your score. Best will be to have all your cards except one at $0. The remaining card should report a small balance each month.
The simulator that comes with the myFICO products is supposed to give you a guess as to what might happen if you did X -- so that you can decide whether or not you want to do it. But in your case you already have paid off the cards. So the best thing is to ignore the simulator and actually take a look at what the scores are in the next month or two.
By your "FICO 5 scores" do you mean your three mortgage scores? "FICO 5" typically refers to the FICO 04 version drawn on Equifax data. The simulator is supposed to mimic the FICO 8 model.
Do you have any installment loans on your reports -- either closed or open? Do you have any negative items on your report? (lates, chargeoffs, liens, judgments, etc.)
What is your time frame for buying your home?
