applying late?

This is currently my third semester at community college. I took a total of 13 credits first semester and had a 2.7 GPA. I took 17 credits my second semester but received an F in two classes because of a situation at home it was really hard for me to concentrate but it bought my GPA down horribly. I am currently in my third semester retaking the two classes i failed, i REALLY want to transfer in the fall so I’m thinking I should wait until I finish this semester so I can replace the failing grade. The schools I’m looking at have a deadline of May/June/July. Is that too late to apply? especially because I want housing.
any advice??