Am I close to being eligible?

Maybe, and congratulations on being able to amas $22k while saddled with student loan debt. Add up your payments per month. If your student loans are deferred, we will have to factor in a payment. For Conventional loan that would be 0.50% of the balance per month. Add the payments up and divide by your monthly income. You will need to be below 50% you are likely there. If higher, Maybe, but we would need to have more specifics to confirm. ~ Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ At NEXA, we've got you covered. We are licensed in all states except MA and NY and we are pending approval in VA, so give us a call. ~ www.ApplyYes.com 480-889-9000.

A little too much information missing... But good credit, a stable job, low monthly debt obligations, and a bit of money for down payment, and you are looking good to lenders. The only way to know for sure is to apply. I lend in MN WI IASD ND. Find me at JoeMetzler.com - MNLS 274132