Am I elegible for the $7500 First time homebuyer credit?

Here's the situation... My salary is under that amount, but I took out 30K for closing costs and to blow on furnishings from my 403b savings plan. This would put me well over the $75,000 salary. Now, my wife, who does not work is not on the mortgage note. Will they consider us eligible for this credit since we are filing "married jointly" but she is not on the note?