Building A Plan
Higher is a better buy. 50 is "priced about right for what it is". The last step curves the raw advantage onto 0–100, so points stop being one-for-one at the extremes.
💵What this unit actually costs per month
21% of that payment is not the mortgage. The HOA fee alone is $23,400 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,268.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($54,500). Common for small associations and not a defect on its own, but it does remove FHA buyers from your resale pool.
Minimum realistic down payment here: 5% · verify on HUD's lookup
Rate is the Freddie Mac PMMS 30-year average for the week of 2026-10-08 — a national survey figure, not a quote. Tax, insurance and closing costs are estimates; your own Loan Estimate is the real number.
This building's HOA fees
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($390 in 2026), not enough for a trend yet. The listing shows $390/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- On market 479 days → strong negotiating leverage
- Low HOA (0.4%/yr)
⚠️ Cons
- 24% above model fair value
- Photos look dim — verify light in person
🚩 Red flags
- Only 1 photo — verify condition
Photos
Price history (this unit)
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Description
O'neil Village Townhomes Style Condos in Hayward is a New Construction homes that can be purchased immediately, which makes the home-buying process simple. You and your family will be making new memories in your new home before you know it. O'neil Village Townhomes is conveniently located to just about everything you need. Discover our All-Inclusive Open Floor Plans With Flexible Living Spaces. A Community you'll love, close to California State University and just a very short drive to shopping and restaurants in downtown Hayward. DRE# 02050769