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Hello,
That's great that you have a strong interested in adopting a child. In addition to waiting until you're 21 years old, it may also be better for the child if you are involved in a stable relationship. You mentioned that your mother really wants a little girl. Is she also interested in adopting? Maybe you could help her raise the child. A little girl really needs the nurturing and presence of a woman in her life, not that you wouldn't be a great parent, but there is a different attachment between a child and her mom and a child and her dad.
To answer your questions:
Most states consider an infant to be any child up to 2 years old. It's usually much faster to adopt a child that is older than 2, especially if the child is considered "special needs".
You would not be descriminated against because of the fact that your income is from disability payments. In most cases you will receive a stipend from the state to help cover the finances needed to take care of the child.
I hope things work out for you!
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