After funding the ROTH, efund, and HSA each year, why not start putting money aside toward your downpayment? That way you won't need to touch the ROTH, and it can just keep growing and working for you.
So each year after your efund is in place, put $5k to ROTH, $1K to HSA, and $6k to downpayment fund. When your car is paid off, put the money that was freed up into your downpayment fund. Within 3-4 years you'll have $20k, which would give you 20% down on a $100k home. Not sure how much homes cost in your area, but it's smart to put down 20% to avoid PMI fees.
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financial checklist:
[x] emergency fund fully funded [x] no cc debt [x] >10% to 401k
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