Hello, I'm a mortgage professional.
We have some very low down payment programs available.
If the card is paid off already and it shows up on your credit as paid off already then it will not count as a debt.
If you would like a pre approval please let me know, we have low rates, excellent service and I make myself available almost 24/7.
If you have any other questions or need help with this you are welcome to get in touch with me.