It depends on how aggressively you want to save for a home.

But maxing out retirement early means you have more years of compounded growth. The earlier money gets in there, the more time it has to grow. Just 10 years makes a huge, huge difference for retirement. Getting as much in now - before you have to spend money maintaining a house (and if you want kids in your future, etc) will pay off hugely long term.

It seems to me that you have enough to max 401k, max IRA and save for a house at a pretty good pace. But you'll have to decide the split there.

WRT market - buying at a discount is a good idea, the market being down is good news for a long/mid term outlook.

Again, how much to put in the market depends on your time horizon. If you think you will be buying a house later than 5 years, I'd say put your money there. If less than 5 years, go with HYSA and maybe bonds. (I bonds are still doing quite well but you can only buy $10k per year and other caveats that have been mentioned on this sub many times in the past.)

I'd rather you borrow from your 401k than reduce contributions.

You can only put so much in per year, you don't get that window back.

Borrowed funds can be paid back. And market rates of return are unlikely to beat savings in credit card interest.

That said, I agree with others, $6k is low enough that either of the above can likely be avoided - but it may take some major self discipline.