The Hagerstown Home Store is a great resource for first time home buyers they have a couple of different grant programs and some soft second loans to help with the down payment & Closing costs for first time home buyers below is a link to their website. I home this helps

James S Stoneham
Jack Gaughen Relator ERA
888-762-1554
717-597-3111x237

Hi Penny,
You sure can as a seller for closing help. It is the sellers optiion to help or not. If you are asking about loans, the best thing to do is go to a lender and they would be happy to help you with that. If this does not help, please contact me on my cell phone so that we can talk and clear up the question.
Pamela Barrett
Long and Foster Real Estate, Inc.