WASHINGTON (AP) — More than a third of federal workers would be told to stay home if the government shuts down, forcing the closure of national parks from California to Maine and all the Smithsonian museums. Low-to-moderate income borrowers and first-time homebuyers seeking government-backed mortgages could face delays.

These would be just some of the effects of a government shutdown that could furlough as many as 800,000 of the nation’s 2.1 million federal workers. It could hit as early as Tuesday if a bitterly divided Congress fails to approve a temporary spending bill to keep the government running.

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