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20% down on house or pay off low interest credit card and/or car? - home loan interest rate calculator

We intend to purchase a new home. We have enough money to put down payment of 20%. We also have credit cards and paying the debts of the car is slightly less than 20% could be used for the house. The interest rate on the card 4.99%. The car loan was 6.4%. The home loan is expected to be 6%. Since the interest rates on credit cards is less than the rate of home loans, it would be better placed to 20% of the house and then try to cancel the card and car loan a couple of years, or would it better to pay for the card and car loan, and now , set just 5% less than at home and have to pay PMI? Or maybe something in between, such as the payment of the card, but not the car (or vice versa) and save 10% home. Is there somewhere a simulator for calculating the cheapest route?

Thank you ...