One thing you need to consider is that after you get married, it is possible you may have children in the next few years (I don’t know your ages and life goals, so I’m guessing here). While your income will go up, could you make that mortgage of over 400k on your income alone? Would it be a 30yr fixed? In 1992 I bought a house for exactly 3x my income alone (wife worked at the time of purchase and made about the same)and by the time I had my first kid a few years later the debt on the house was 2x my income alone and I remember being pretty cash strapped when she decided to “take a year or two off work.”

Just something to consider, I feel terrible for those who are starting out in today’s market.