Own a home in Amherst — with $0 down. Welcome to The Groves at Hillsdale, where United Way Maritimes covers your 25% down payment, so you can move from renting to owning without saving a massive lump sum first. For this unit, that means a mortgage of just $127,500, financed through Mosaik Credit Union. The Groves is more than a single home — it's a pocket community designed for everyday living, just a 5-minute drive or short bike ride from everything Amherst has to offer. This bright, energy-efficient 2-bedroom modular home comes fully equipped — fridge, stove, dishwasher, washer, and dryer included — with an open-concept layout that makes every square foot count. Pets are welcome. Homes at The Groves sit within a clustered bare-land condominium community, with a low $120/month condo fee covering common area maintenance, parking lot upkeep, lighting, and landscaping. Utilities are the homeowner's responsibility, but the efficient construction and compact footprint mean lower running costs than many older comparable homes. This mission-driven partnership between United Way Maritimes, The River Philip Foundation, and The Shaw Group makes ownership possible for working families and individuals priced out of the traditional market. Eligibility applies — review shared equity, financing, and condo terms carefully.