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In the nonrelativistic regime,The assumption $E-\mu \gg k_{B}T$ puts the Fermi-Dirac distribution in its Maxwell-Boltzmann limit, soTherefore the nonrelativistic Maxwell--Boltzmann number density is

For $p+e^{-}\leftrightarrow H+\gamma$, chemical equilibrium and the vanishing photon chemical potential implyApplying the number-density formula to each massive species and eliminating the chemical potentials givesUse charge neutrality, $n_p\simeq n_e$, the mass approximation $m_H\simeq m_p$, and the convention in the question that suppresses the order-one internal-degeneracy ratio $g_e{g}_p/g_H$. With the Hydrogen binding energywe obtain the Saha ionization equationThe assumptions are thermal equilibrium and chemical equilibrium before cosmological recombination, a nonrelativistic nondegenerate gas, zero photon chemical potential, charge neutrality, negligible proton-electron mass correction in the translational prefactor, and the stated degeneracy-factor approximation.