As I read your post, you had a tax liability of aprox. $9,500 ($4,500 owed + $5,000 already paid). Your line 61 should be about $9,500 correct? If so, of the $7,500 credit due you, $4,500 the IRS will keep to pay for the $4,500 you still owe them and a refund of $3,000 is arriving tomorrow...