I recently purchased a USFA flat top from an auction site. The gun was used but in new condition. It is a 32/20 with a 7 1/2" barrel and case colored frame and hammer.
When I first tried the trigger pull, I noticed that the hammer would move forward as you started to pull the trigger but before the sear (trigger) broke from the hammer. I took the gun apart to give it a trigger job and noticed a small sliver of metal on the top of the sear. I removed the metal with a finger nail, polished the sear and hammer and then reassembled the gun. Judging from the force required to remove two of the grip frame screws, the gun had never been apart.
Now, the trigger pull is light and very crisp. No drag to the trigger. Accuracy has been very good with store bought bullets in my reloads, around 2" from a sand bag rest at 25 yards. The gun can probably shoot better then I can test it. Offhand, firing the one hand target hold, I can keep all shots within a four inch black at 25 yards.
Overall, nice gun!