no you need to have at least 20 percent for down payment or you will need to pay pmi, once you buy all utility becomes your problem so add probably 100-200 to electricity, water, gas, trash, then add some homeowner insurance and property tax. Don't forget about the potential cost of hoa, yard maintenance and regular interior maintenance.

you don't need two.car, sold one you don't use, cancel all subscriptions, if you need one, get amazon prime since it has music, books,and tv. Wifi can be cheaper, or cancel entirely and use cell data. Why pay for four people when you are in so much debt. Going into dental school might be a good idea but can you afford it right now, how much income would you lose by leaving fedex and how much extra for dental school?

what really worries me is why did you accumulate so much debt in the first place. I felt like you are a very impulse driven person, you need to track your spending and if the cards are what fueling.your bad spending habits you need to cut them. You talk about dental school but have not provide a compelling reason why you are taking it