900 Bush St #409
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
41% of that payment is not the mortgage. The HOA fee alone is $78,960 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,355.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($24,950). 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
✅ Fairly steady · +2.4%/yrReconstructed from 12 units of recorded sales at 900 Bush St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +2.4%/yr over 3 years across 12 units) — a good sign. Only the reserve study confirms the building is keeping up with its big-ticket repairs.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- 21% below model fair value
- On market 59 days → some leverage
- Upper floor (fl 4)
- Garage parking
⚠️ Cons
- HOA $1316/mo
🚩 Red flags
- Very high HOA $1316/mo (full-service high-rise)
- Listed BELOW its 2021 sale ($550k) → value eroding
Photos
Price history (this unit)
- Apr 19, 2021 — Sold (MLS) $550,000
- Apr 19, 2021 — Sold (Public Records) $550,000
- Feb 10, 2021 — Listed $575,000
- Apr 17, 2015 — Sold (MLS) $595,000
- Apr 17, 2015 — Sold (Public Records) $595,000
- Apr 2, 2015 — Listed $515,000
Description
Move right into this beautifully 1 bedroom, 1 bath condo at La Galleria, offering 24/7 attended lobby and security, just steps from Union Square's premier shopping, dining, and entertainment. Designed with an open-concept layout, the home features a spacious living and dining area, wood flooring throughout, and a kitchen with premium cabinetry, plenty of countertop space, stainless steel appliances, and tile flooring. Enjoy fresh air and city views from your own private balcony. Residents of La Galleria enjoy an exceptional collection of amenities, including a 24-hour attended lobby, fully equipped fitness center, heated outdoor pool, beautifully landscaped plaza with generous common areas…