Re: Hunter 28.5 1985 buy or not to buy
If looking for a 28', my biased advice would be a 1986-1989 Cal 28-2. Watch Craig's List as there was an owner on the Cape with one in seemingly good shape within your budget. There are a couple for sale in NY, check out sailboat listings.com and yachtworld.
However, at a budget of $20K and this market, you're options are plentiful for newer and/or larger vessels.