I am answering this question for you and for many others who may end up reading your question and want options. If you do not have a lot of money to spend on closing costs or you do not want to put all of your money into your closing costs then there are options for you.
In addition to grants that you may qualify for, many sellers may be willing pay for some of your closing costs if your offer price is attractive enough.
Let's say you put a bid in on a home listed at $95,000. Lets say you offer $100,000, just to use round numbers. And lets say your closing costs are total of 5%, again lets use that just to make the math easy.
Sale Price: $100,000
Total Closing cost: $5,000
Since you have offered $5,000 over the seller's asking price (which by the way over 30 years is a small amunt of money), you may be able to ask the seller to pay for your side of the transfer taxes. (In Philadelphia that is 2% for the buyer and 2% for the seller, a tatal of 4%) So in essence you will only need $3,000 at closing rather than $5,000.
Many people, buyers and sellers alike, do not fully understand the concept of "assist" in a real estate transaction. It can be complicated. In our neck of the woods (Philadelphia, PA) many of the grant programs are no longer available and FHA type loans are the best product out there right now. With FHA Loans the buyer needs to have a certain % of their own money in the deal. As a buyer it is important important that you, your mortgage person, and your realtor work together in the buying process. The loan rep. will help you get the most closing cost assistance within the parameters of the loan guidelines and your realtor can help you formulate and negotiate extra assist through a creative positioning of the terms of your offer to purchase.
Ultimately, you are looking for a win-win offer package. You can not take without giving even in a "buyer's market" . Good Will and Generosity always win in the end.
I wrote a blog post about how to present a good offer package that you may be interested in reading: http://activerain.com/blogs/thesomersteam/tags/buyer