Preparing a 2012 tax return. TP had First Time Home Buyer Credit..

IMPORTANT:  Purchased 05/27/2008  Received $7500 (actually only 1/2 because split with boyfriend)

                        Sold 04/06/2012  at a loss.

TP received credit on 2009's return, started repayment on 2010's with a payment on 2011's.

TP took a loss on sale and it was more than 36 months after purchase.  

No matter what I check or figure I put in, there's errors. 

Questions:  Is this TP required to repay the entire balance back with the 2012's return?

                    Even if there's a loss, do they still repay the entire balance back?

                    Even if 36 months have passed, do they still repay the entire balance back?

I remember there was this small window with different rules and everything I research says the full amount of the credit unpaid is to be included on the 2012's return. I'm sure I override the errors but I keep going back and forth if they pay it all back or not.  Come on some of you 'old timers' that were doing taxes 10-12 years ago and can help me with this.  I'm spending way too much time on this!

Thanks so much