There one issue I have with the last answer is, you don't have to wait until 2009 taxes to get your check. As soon as you close on the home, you can amend your 2008 taxes and get the refund. The answer does provide a way to get some money towards a down payment, but unless you have really large federal tax withholding, you won't get anywhere near the $8,000. I provide a way to get that money now. When you buy one of our new homes, i will provide a loan for that money at closing. It is dependent upon your lending institution and underwriting on whether this money can count towards your down payment though. - Tue Feb 24 2009, 07:05