960 Market St #619
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
33% of that payment is not the mortgage. The HOA fee alone is $47,280 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,461.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($25,750). 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
🚩 Rising fast · +14.8%/yrReconstructed from 33 units of recorded sales at 960 Market St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 32% in 2 years — about +14.8%/yr across 33 units of recorded sales, well above inflation. A rise this steep is a leading signal of a special assessment, a drained reserve fund, or an insurance shock. The listing never shows it; the building's documents are where the "why" lives.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- On market 51 days → some leverage
- Upper floor (fl 6)
- In-unit W/D
⚠️ Cons
- Small (528 sf)
- HOA $788/mo
- Photos look dim — verify light in person
🚩 Red flags
- HOA rising ~15%/yr in this building ($598/mo in 2024 → $788)
Photos
Price history (this unit)
- Aug 18, 2026 — Listed $515,000
Description
Come check out this extra large Junior 1 BR/1BA exceptionally appointed with a luxurious spa-like bathroom and sophisticated finishes. The home includes stunning hardwood floors and offers light filled views with gorgeous windows overlooking the court yard of the hotel. Full service building with 24 hour front desk team, overnight security, fitness center, residents' lounge and breathtaking rooftop. Located in the heart of San Francisco's Mid-Market neighborhood, Serif is a new 12-story condominium complex with 242 for-sale residences. Serif also shares its space with the sumptuously hip Hilton International Timbe hotel, the Curio Collection, retail and dining experiences. Serif illustrates…