Texas Mortgage Credit Certificate (MCC)

Texas State Affordable Housing Corporation

Available Down Payment

About This Program

Federal income tax credit equal to 20% of annual mortgage interest paid, reducing federal tax liability dollar-for-dollar. Available to first-time homebuyers meeting income limits. Credit continues for the life of the loan while homeowner occupies the property.

Annual tax credit equal to 20% of mortgage interest paid, up to $2,000

Data last verified 2026-06-09. How we verify our data.

Key Details

  • 20% of mortgage interest as federal tax credit
  • Up to $2,000 annually for life of loan
  • First-time homebuyers in Hutchinson County
  • Income at or below program limits
  • Reduces federal tax liability dollar-for-dollar

How to Apply

A grant-savvy contractor in Borger, TX can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Ongoing, subject to annual allocation

Questions about this program?

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Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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