SC Housing Mortgage Credit Certificate (MCC)

SC State Housing Finance and Development Authority

Available Down Payment

About This Program

Federal tax credit for first-time homebuyers purchasing in South Carolina. Reduces federal income tax by up to 20% of annual mortgage interest paid. Credit is available every year for the life of the mortgage.

Annual tax credit of 20% of mortgage interest paid (approx. $2,000/year)

Key Details

  • 20% of mortgage interest as federal tax credit
  • Available to first-time homebuyers
  • Income limits apply (typically 115% AMI)
  • Credit available every year of mortgage
  • Must use participating lender

How to Apply

Get free help applying Visit Official Program Page Track this program

(803) 896-9001

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Deadline: Ongoing program, subject to federal allocation

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