As first-time homebuyers race to secure a deal before the $8,000 federal credit expires, state and local agencies stand ready to help with information, money for closing costs and reduced-rate loans for those who qualify. Buyers need to check the status of the programs they are interested in, though, as some have been modified, expanded — even eliminated.

“Really, the important thing to know is that there is government assistance out there for them, and there are specific programs that have been designed to meet their needs,” said Susan Yancy, assistant director of legislative and public affairs with the Housing Opportunities Commission of Montgomery County. “If they don’t know where to turn, that’s the best place.”