CalHFA Mortgage Credit Certificate (MCC)

California Housing Finance Agency

Available Down Payment

About This Program

Federal income tax credit equal to 15%-50% of annual mortgage interest paid. Reduces federal tax liability dollar-for-dollar, increasing take-home pay. Available to first-time and repeat homebuyers in San Bernardino. Can be combined with other CalHFA programs.

Tax credit worth approximately 20% of mortgage interest annually

Key Details

  • Federal tax credit worth up to $2,000/year
  • Equals 15%-50% of mortgage interest paid
  • Lasts life of the loan
  • Available to first-time and repeat buyers
  • Income and price limits apply

How to Apply

Visit Official Program Page Track this program

(877) 922-5432

Deadline: Ongoing program

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