The best way to ensure you are getting correct information when it come to qualifying for a loan is to speak directly with a mortgage lender, I would be more than happy to connect you with a loan officer and more than happy to assist you in your home search. Please contact me for the loan office's contact info.
I have a home for sale in Southaven (just listed today) and have an assumable loan with a 4% interest rate. Would a less-than-2 year-discharge have any effect on that? You still have a couple of hoops to jumps through to qualify for an assumable loan, but I assume it is not quite as difficult.
You would have to be discharged for two years even with your re-established credit and large down payment. I would be glad to help you start looking in the Fall. You could be in your new home by the beginning of 2014! Good luck!