You've already gotten some good pointers and advice. Here's mine:
1. Pay down that personal loan as fast as you can. Putting the $800 back in it and paying as much against the principle as you can as fast as you can reduces the interest you owe.
2. Save as much as you possibly can towards a down payment. The higher the percentage you can put down, the less you have to finance. Plus, if you put $20,000 down on a house then you have $20,000 in equity on the house. If you absolutely have to get at that money, you can arrange a home equity loan against that $20k, usually at a lower interest rate than other loans. Just remember that borrowing against your equity reduces that equity.
3. Lower your expectations. Use the calculator link you were given to get an idea of what kind of house you'll be able to own. See if it meets your expectations. You may need to move that goal of next May back a year or so. I didn't own my first house until I was 24 and its working out just fine right now, so don't worry.
4. Housing prices generally rise over time although the may be going backwards right now. Once you get a property, if it is well kept and in a reasonably decent location, it becomes much easier to buy a new one. Especially if your income is going up while you are living in it.
5. If you are handy, you can buy a piece of crap house and fix it up while you live in it. This assumes, of course, that you will have the free cash flow to buy materials to fix it. Don't overbuy, even if it is a fixer-upper.
6. Stay away from interest only loans. They are based on the assumption that the price of the house will go up, creating equity for you. In the meantime, you are paying only the interest, meaning you will never be able to get out of the home unless the price goes up. Zero down loans aren't quite as bad but usually are accompanied by a higher interest rate, which means you start with zero equity and build it much more slowly than if you put money down.
If you save with discipline, you'll be ready in a few years to own. Otherwise, you'll have to do all kinds of stupid financing tricks to get a house and you'll always pay more than you have to. That means not doing stupid stuff like financing a spring break trip on your credit cards by getting a new one and transferring the balance. Just take a lesson from Wizard PC's thread. He's got a plan and he's sticking to it. That's what the words "financial discipline" mean.