Good call 3CF. If you listen to the artist singing the song you can usually hear the strumming pattern. If it's not obvious then it is usually very very close to the rythm being thumped out by the drummer.
Imagine you are sitting listening to the song, imaginary drumming away with your imaginary drumsticks. Now tie one hand behind your back (preferrably not the one you strum with) and try to bash out the same rythm one handed. You can then usually pick up un down beats and up beats. This may sound crazy but trust me it helps get a feeling for the rythm of the song. And once you have the rythm of the song, then the strum pattern is staring you in the face.
Chords above words is just an easy way of showing where the chord changes are. And they almost always fit in with the rythm of the song.
You've probably heard this a million times before, but the more practice you put in and more experienced you get, the strumming patterns and stuff becomes easier to pick out.
So practice. Go on.