Read Part V (five) of Article 230.
You have a single meter. The meter is not a Service Disconnect. The 3 wire coming out of it and going around the house is a Service Conductor. The 4 wire from the disconnect outside to the garage is a Feeder. The disconnect outside is a Service Disconnect. The Main breaker inside the house is also a Service Disconnect.
They are twenty feet apart. That is not grouped.
The AHJ may permit it, or not. (see my comments above)
Also see the other comments about using three wire.
You may consider, two disconnects outside. Main Lug Only in the house. Three wire to the garage and rebond unless you have other grounded connections between the garage and house, i.e. water, telephone, etc.
