(Basically asking why they can't get married when they are max hearts + dating)
To get married, there are 3 things you need:
1. Have a datable npc (which you have) at maximum hearts (that means 10 hearts, which it seems you have if the game is saying you're dating)
2. Buy a mermaid pendant, this is done by going to the east side of the beach when it's raining and talking to the old mariner npc where you can buy it for 5000g
3. You need to have a house at level 2, that means 1 upgrade to the house so it has a large bed and kitchen
When you have all three of these you can gift the npc you are dating the mermaid pendant and you'll be engaged.