Regarding the pro's and con's about buying with a spouse. I have my own personal opinion on this. Being an old man with 30 plus years in the mortgage business, I have seen my share of downturns, recessions, high inflation, high interests, and utter implosions. I always tell people this. Unless you need the other spouse in order to qualify, I tell them the best way to recession proof yourself and to create that safe harbour, try to buy the home in one of the spouse's name. You can always deed the other spouse on title and take them off if the going gets rough. This way if something cataclysmic happens where you end up losing your home, the other spouse can come in and save the day and is unscathed so they can go on to purchase another home in their name. Just my opinion.
When my wife and I bought our first home together, we did her loan under the USDA in her name only for that very reason. In closing, I always run the GUS upfront on these USDA's. Over the years that have tighten up substantially regarding ratios and acceptable credit scores. This way I don't have any issues down the line at closing time. Make sure whatever lender you choose to work with runs the GUS upfront. Better to cross your T's and dot your I's in the beginning then be forced into switching loan programs in the 11th hour. Just my thoughts.
Best wishes to you!