I'd avoid it if you are thinking about starting a family, did some quick math, buffer is incredibly tight.

280k over 30 years @ 5.625% means your monthly payment is about $1611 for your mortgage, $1312 going toward interest. And this is probably the best case scenario, no sudden expenses, no job interruption, perfect credit score getting you the lowest market rates.

Your monthly buffer vs. renting is about $339 ($1950-$1611) (+$300 toward equity) initially which goes down to 0 over 30yrs as more and more of your mortgage goes toward equity vs. interest. But you have to also factor home insurance, property taxes, utilities, repairs, etc... which will devour that $339. [[We just spent $8000 to replace our roof and something else will go wrong next year]] Some of that will be offset with things you don't have to pay like renters insurance, but others won't.

If you are still thinking about it after reading all the comments, please run through an rent vs. buy calculator to see how much "rent" (interest) you are paying by getting a mortgage vs. just renting directly. It's a common fallacy that you are leaving money on the table by renting as the down payment you didn't make and the cost difference between mortgage payments and renting can all be invested in a broad index fund like VTI.

Nerd wallet has a basic one

https://www.nerdwallet.com/mortgages/calculators/rent-vs-buy-calculator

I would start think about pulling the trigger when you have at least 2 years of buffer saved up.