well if I can’t have “normal” I want in on all the goodies….question is this even worthwhile? Unlike the federal program that is a reimbursement this is a tax credit of $3333 per year over 3 years. I don’t owe the state of Ca very much anyway, so how much does this really help me and is it worth delaying my closing 2 weeks and potentially paying fees to get the bank to agree to delay closing?

Any tax experts out there that could explain how this would work for those of us not paying huge tax bills to the state?