Rent of $825 pm? OMG! That's brilliant right there!
But seriously, what you get should factor into your financial plans.
If you ultimately want FI, then getting a house doesn't make any sense at this stage.
Look at your stash as though you can invest it at the best rate.
If you sink $400k into a house, will it earn the same rate as the best rate you could realistically get for your invested stash?
If you do the maths on $400k reinvested for 40 years, would you be happy using that $400k for a house that doesn't earn a single cent?
I'd stay where you are while single ($825), concentrate on getting rid of the debt asap whilst contributing to retirement funds. And really focus on ramping up investing. In the years you'll have to invest, who knows, they might be able to pay for a house. The magic of compounding is incredible.