California Mortgage Credit Certificate (MCC)

California Housing Finance Agency (CalHFA)

Available Down Payment

About This Program

Federal income tax credit equal to 20% of annual mortgage interest paid, providing ongoing tax savings for the life of the loan. Available to first-time homebuyers meeting income and purchase price limits.

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

Key Details

  • 20% federal tax credit on mortgage interest paid
  • Available for life of the loan
  • First-time homebuyers meeting income limits
  • Apply through approved CalHFA lender at purchase
  • Can be combined with CalHFA loans

How to Apply

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

Deadline: Ongoing program through approved lenders

Need a Contractor for This Grant?

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

Find More Programs in Concord, CA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs