My situation: TCH arrives on 6/15. I'm putting 50% down and taking a loan out myself. I am a vet on disability and I pay almost zero taxes each year. My significant other (date set for her to move in is July 1) only gets a head of household deduction. How do we maximize our tax credits? If I put the car in my name, I'll get zero back. If I buy the car can I put it in her name for 90 days and the transfer it back to myself and pay her a $1 buyout? I don't want to get married for a tax credit.....