tax incentives are hard to get?????

I heard that the tax incentives..the $8000 tax credit is real...whether you can use it as part of your down payment....drum roll.........no. no. no. deny by most lenders because it is way too much hassle and paperwork and for what the goverment wil pay lenders to do it, I think it's 200 bucks.. its just not worth it for them to process it as part of your downpayment...and maybe even the closing cost...lenders c'mon your in the buisness of lending money to make money..a little forthworthness and faith in the goverment for which you have taken the tarp money from should atleast help the people help them get homes. It's our community and it does take a village including the butcher, the baker, the banker!