Honestly, you should use what you have in savings to pay off the personal loan and credit card, then use what you would have paid towards those and pay off the car loan. Then replenish savings with the intention to be debt-free when you go to buy the house. Provided it’s the kind of savings you can take from without penalty.

At minimum, stop using credit cards.

If you have savings in an investment account, I would just pay off all of your high interest debt now.