Kentucky Mortgage Credit Certificate (MCC)

Kentucky Housing Corporation

Available Down Payment

About This Program

Federal tax credit equal to 20% of annual mortgage interest paid, up to $2,000 per year. The MCC reduces federal income tax liability, providing more income for monthly mortgage payments. Lasts for the life of the loan.

Tax credit worth 20% of annual mortgage interest, max $2,000/year

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

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

Key Details

  • Tax credit worth 20% of mortgage interest
  • Up to $2,000 per year in tax savings
  • Lasts for the life of the loan
  • Can be combined with other KHC programs
  • Available through participating lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 633-8896

A grant-savvy contractor in Paducah, KY 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: Available through participating lenders

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