The US Department of Housing and Urban Development,HUD is an organization that offers homes for sale that are a great deal for buyers. You can find these homes in several areas of Charlotte, NC as well as surrounding cities. HUD offers some discounted programs including programs that allow buyers to put only a 100 as down payment in order to purchase properties in some designated areas. HUD will also pay up to 3% closing expenses for the buyer. The Neighbor Next Door initiatives are a collection of FHA's home sales programs designed to help communities and promote homeownership. It is an excellent program for firefighter, emergency medical technician and teachers. HUD offers 50% discount on eligible properties.