24 years outdated trying to purchase my first property

I make $112k as a Software program Engineer in Seattle. I presently have a 401k match at 50% from my employer that I’m contributing 15% to, a Roth IRA that I contribute $500 a month to (will max out within the coming days) and about $26k in scholar mortgage debt that I’m not paying off due to the freeze. I additionally bought permitted for the total $20k so realistically if it goes by means of I might repay the remainder of the $6k by June. I’ve about $8k in inventory sitting in my brokerage account that I’m not positive what to do with. Nonetheless, my credit score rating took an enormous hit from the CC debt, so I’m sitting at under mid 500’s proper now. Since I paid off my CC debt I’m hoping I can get to the 700s rapidly.

I’ve a totally paid off automobile that I purchased with money so my payments are low which is simply about $200-300 for groceries and $2650 for my present lease. Aside from that my bills are very low. I additionally simply paid off all of my CC debt which was about $7k.

I’m attempting to see what sort of choices I’ve accessible to me as I shouldn’t have a downpayment constructed up but. Ought to I be affected person and save up a minimum of $20k for a downpayment and let my credit score rating rise?