Indiana Mortgage Credit Certificate (MCC)

Indiana Housing & Community Development Authority

Available Down Payment

About This Program

Federal income tax credit for first-time homebuyers in Indiana. MCC converts a portion of mortgage interest into a dollar-for-dollar tax credit, reducing federal taxes owed. Can be claimed annually for the life of the mortgage.

Tax credit equals 20% of annual mortgage interest paid, up to $2,000 per year

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

Key Details

  • Annual federal tax credit up to $2,000
  • For first-time homebuyers in Indiana
  • Converts 20% of mortgage interest to tax credit
  • Can be claimed every year you own the home
  • Income and purchase price limits apply

How to Apply

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

Deadline: Ongoing program while funds available

Questions about this program?

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