Changes to the $8000. Tax Credit

Ok, so I am already hearing and reading that there may be some changes coming to the new $8k tax credit now being offered by the US government ... they are considering allowing that credit to be used as a downpayment instead of being collected at tax filing time. As much as I would love to see more people be able to have $8k to put down on homes, isn't this part of what got us in trouble in the real estate market in the first place? People buying homes they really can't afford and putting nothing down so feeling like they have nothing to lose? I hope they find a solution that can work for everybodies benefit. Stay tuned ... I'll let you know what I hear next.