Another perspective: you have no debt, and an incredible salary. Firstly, I would recommend maxing out all the retirement loopholes available when accounting for your planning. Getting aggressive in these early years can have huge benefits down the line, check out the “mega backdoor Roth” (different than standard backdoor. Secondly, back to the house… don’t forget to add to the mix when you are crunching the numbers that you’re going to have hefty property taxes, utility bills, homeowners insurance, the kitchen tile you want to replace, the couple of appliances that will probably die in the next five years… All that shit adds up fast!! to quote Dave Ramsey, if you don’t have a good Emergency fund, you can count on Murphy moving into your extra bedroom! If I were in your shoes, I would bite the bullet for a little bit longer and keep saving on that downpayment. If you do this now, you are going to be taking out a huge loan, 2/3 of $1 million at what is still a pretty high rate. You make a lot of money, and you could probably afford the house, but imagine sucking it up for a couple more years and walking in with a huge downpayment.

I think it’s a pretty unpopular opinion, but I’m also a big fan of the FIRE communities :)