This could mean 2 things. If you have not yet purchased a home, you still have time to qualify for the tax credit if you are under contract by April 30th, and closed by June 30th. There are also mortgage programs that may "lend" you up to $5,000 of the tax credit at closing to help you cover closing costs. You should ask your mortgage professional for the details of that program. There are also Good Neighbor mortgage programs for people in certain professions such as teachers, firefighters, etc.
If you have already purchased, and have not filed your taxes yet, you will need to fill out IRS form 5405. I belive that even if you purchase your home during this calendar year, you can attach the form to your 2009 tax return and receive the credit instead of waiting to file your 2010 return, but again ask you tax professional or go to IRS.gov to find the answers.
Hopefully this answered your question!
Barbara L Smith