I'll be honest and say that you need to kill the TRUCK LOAN. 9.48% interest? That is huge! -- I actually cringed after reading that.
Ouch! Pay off that truck loan
Yikes, pay that truck loan off asap! Then go back to saving for a downpayment. The second loan isn't so high I'd be concerned about paying it off faster - though I'd possibly be a little concerned about the mindset that led you to have 24k of car loans in the first place, but I will give the benefit and assume you wouldn't do it again, if you had it to do over ;)
Soooo you're saying I should keep the truck loan? ;-p
I have learned my lesson on car loans and having debt period. Since I bought the truck, we have done a near 180 on MMM/FIRE/Debt Free Living. Also, the truck is one of my bucket list items. Excuse for being a jackass who made a poor financial decision, yes, I know that now. Moving forward, our plan is to pay cash for everything except the house.
I like the idea of taking the truck payment and applying half to the other car loan and half to the down payment.
What sort of home price range are you looking to buy? Would that give you enough for 20% down?
In the Philadelphia area, homes in decent school district range from $190k - $295k. The most we would be able to save by February, after paying off the truck, would be $11,621. We might be able to squeeze out another thousand or two but we are still not on a good budget practice (i.e. we overspend in certain categories). Like I said earlier, each month we are improving our situation and getting our finances under control. $11,621 isn't even close to 20%, though neither was $26k, but $26k was a whole lot closer.