$6500 tax credit but not on mortgage or deed

[rupst2]

Buying a house with my fiance and it will be all in her name for credit reasons.  I'm not being allowed on the deed or HUD closing form since we aren't married.  I will be living there and we will be married in 3 months.  Is there any way for me to claim the $6500 credit I would be elidgible for if I were on the purchase?  Could I seller finance purchase from her to get my claim to the credit.  She isn't elidgible and it's all moot in 3 months after getting married.  At this point I'm guessing I just can't get it.

thanks for any help

[herbster]

Why doesn't she qualify for the credit? Somewhere in the owner finance forum I posted a link to the irs tax credit. Herbster

[Dave T]

I am guessing that you believe the full tax credit is available to all purchasers. 

If so, then you are wrong.   The credit can be shared among multiple unrelated purchasers, but the total credit taken by all purchasers can not exceed $6500 or 10% of the purchase price of the home, whichever is less.

If your girlfriend takes the entire credit (up to $6500) on her tax return, then there is nothing left for you even if you were a party to the purchase.