Louisiana Housing Corporation Mortgage Credit Certificate (MCC)

Louisiana Housing Corporation

Available Down Payment

About This Program

Federal tax credit allowing first-time homebuyers to claim 20-40% of their annual mortgage interest as a direct tax credit, reducing federal income tax liability for the life of the loan.

Typical 30% tax credit on annual mortgage interest; example assumes 6.5% interest on $200k loan

Official source site checked live on 2026-06-17.

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

Key Details

  • 20-40% of mortgage interest as federal tax credit
  • Available for first-time homebuyers
  • Increases buying power and reduces tax bill
  • Credit lasts for life of the loan
  • Income and purchase price limits apply

How to Apply

Get free help applying Visit Official Program Page Track this program

(225) 763-8700

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

Your application paperwork

Documents you will likely need

  • Your federal tax return for the year of the work (this benefit is claimed on your taxes, not through a separate application).
  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing; subject to funding availability

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