Have you ever rented an apartment? I'm asking if you have any experience living independent of your parents. It sounds to me like that is what you most need to acquire. You need a space to call your own. A rented space can provide that. This condo that you are wishing for would actually belong to the bank, while there is a mortgage. That's really just a more complicated way of renting. Do you currently pay toward your room and board? It sounds like you have been very dependant financially on your family. Weening yourself off of that dependency is what you need to do first.

Congratulations on almost paying off that credit card. Now stop using credit cards, and stop borrowing from family. Borrowing for you has become an addiction. Break it. If you need 23 months to pay back your family and disability, then you can't accumulate savings over the next two years - regardless of what your budget tells you. You are not budgeting. You are fantasizing. Pay mother and brother back ASAP. Then you can save. When you set unrealistic goals, you are not planning. You are daydreaming. That is escapism. In the end, reality cannot be escaped.