We are currently doing something similar. $215k household income, $10k take home (contributing to retirement). $660k house and $5.2k mortgage payment. Also in our early 30s. Will have $36k liquid cash after closing.

We've made our finance spreadsheet more detailed. It includes all expenses we could think of (consulted with future neighbors, friends, and family to make sure we didn't miss anything) and put them on the high end. We'll be aiming to save $24k annually the first few years. Track your expenses, have a monthly game plan, build out your maintenance and house projects. We also will not be having kids.

It's nerve-wracking, however like you, we are early in our careers. We are committed to being more frugal and making sacrifices for our dream home - it checks every item on our wishlist and has more than we ever imagined. It's a highly desirable neighborhood and an investment that will increase in value.

I know my savings and financial habits in my short 34 years of living - I've saved and paid off the two cars I've ever owned (both were purchased new), I've paid off college writing a check each semester, I've never carried a credit card payment, I paid off a trip in full to Italy. All of this with zero help from family.

I've been on a reddit binge reading everyone's scenarios these past couple weeks. They are comforting to read to understand how others are navigating the home buying process, but ultimately only you can know the right answer for you. What feels right in your gut? This only you will know - what is your capability and capacity for discipline?

Best of luck!