I agree with Bill and Don, both are important! A good real estate agent should definitely be able to point you in the direction of programs, financing, etc. that could meet your needs. In addition to the tax credit, there are plenty of grants through banks and community organization in the Rochester area. That said, knowledge is power, and it can never hurt to educate yourself about what's out there.
If you're interested, I'm actually holding a couple of first-time home buyer seminars later in February. Together with a local lender and home inspector, I'll be discussing the ins and outs of buying a home and how to take advantage of the federal tax credit. If you're interested in attending, feel free to give me a call on my cell phone at (585) 455-5524. I'd love to give you more details and sign you up!
Have a great day, and good luck with your home search!