I say you buy the house.
live a little & take on good kind of risk. And say you do: I hope you find all your contemplation was done mostly in fun analyzing your life’s situation. I bet this is why so many of us enjoy reading this site.
You’ve waited your whole life to be in a position of financial strength & stability.
$1500/month is so doable for even one person if they are motivated. You & your wife have done it right without getting in over your head.
I say you get on with it & share your experience (waiting hawk style).
-my five cents
