I recently purchased my first home a few months ago and paid $7,500 for a rate buydown from 6.75% to 6%.  I was told at the time that that I would receive that same amount as a tax credit. From my understanding the tax credit will help pay down what I owe each year in taxes.  However, the problem is that I never owe any money.  I either receive or owe no more than $20 a year.  Is there anything I can do on my end to take advantage of this tax credit?  I was thinking maybe I could adjust withholdings at work, but I don't think there is enough time left in the year to have my employer withhold $7,500 worth of taxes from my pay.  

I have heard time and time again that there are major tax benefits to owning a home, but I am just confused on how to tap into those benefits and what exactly those benefits are.

Is it worth sitting down with a professional to go over my concerns?