There are no direct grant programs for down payment or closing cost assistance. However, HUD does provide funding to state and local governments for this purpose. To find out what programs you may qualify for, please contact your city, county or state government. You may wish to visit the following web site to find local housing programs in your state or local area: http://www.hud.gov/buying/localbuying.cfm. You can also find your state and local listings in the government, or blue, pages of your local telephone directory.