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· Telstar 28
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You're putting a lot of limitations on the boat you'll be able to buy. As Nightowl said, your total budget is going to be about $20,000 given your financial constraints. If you put $6000 down, you're looking at $26000 or so total. Anything much larger than a 30' boat is probably going to be one that needs a fair amount of repairs or upgrades.

Generally, I recommend anyone looking to buy a boat—new or used—reserve about 15-20% of their boat buying budget for upgrades, repairs and refitting their boat, since boats are not cars, and often need to be modified to some degree to fit the way you will use the boat.
 
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