I am in the process of buying a house, and?

None of what you said sticks with me except for the part where you say you need to use your credit card to buy groceries. If I am wrong, I will apologize in advance, but it sounds like you are living paycheck to paycheck... I'm am concerned with your financial position and the concept of buying a home in the near future. I would suggest reworking your figures to see what you can really afford; if you're living paycheck to paycheck now, just wait until you're a homeowner.