North Carolina Mortgage Credit Certificate (MCC)

North Carolina Housing Finance Agency

Available Down Payment

About This Program

Federal tax credit equal to 20% of mortgage interest paid annually (up to $2,000) for first-time homebuyers in North Carolina. Credit reduces federal tax liability dollar-for-dollar and can be claimed every year for the life of the mortgage. Must meet income and purchase price limits.

Annual tax credit estimate assumes $10,000 in mortgage interest paid; actual credit is 20% of interest

Key Details

  • 20% of mortgage interest as tax credit (up to $2,000/year)
  • Available for first-time homebuyers
  • Income limits apply (varies by county)
  • Credit available every year of mortgage
  • Must use participating lender

How to Apply

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

Deadline: Ongoing program, check for current availability

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 Goldsboro, NC

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