My first suggestion which is advice you are not even asking for but I personally think you need is to get on the same page as your husband. How can you buy a house and not know what his bills amount to each month. In the very least you need to create a joint account for bills and probably have a rough budget especially with having credit card debt. I think you can manage buying the house but should really have a discussion with your husband on your finances and have a plan moving forward.