Hi,
you could use 3DSMax, Maya. Blender whatever you want to use for that (I use mostly Blender, works best for me personally). Probably you find some Create Commons material to save some time. Probably there are some architecture tools out there which provides some of what you want. But I don’t think there is a full blown solution which will fits all of your needs.
I think you have to spend the time for the creation of your house / rooms / objects.
freakxnet