Louisiana Housing Finance Agency Mortgage Credit Certificate

Louisiana Housing Finance Agency (LHFA)

Available Down Payment

About This Program

Mortgage Credit Certificate (MCC) converts a portion of mortgage interest into a dollar-for-dollar federal tax credit for first-time homebuyers. Credit is 20% of annual mortgage interest paid, up to $2,000 per year, for the life of the loan.

Annual tax credit equals 20% of mortgage interest paid, capped at $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 per year for life of loan
  • For first-time homebuyers in Louisiana
  • Income and purchase price limits apply
  • Can be combined with LHFA mortgage programs

How to Apply

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

Deadline: Ongoing subject to federal allocation

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