Texas Mortgage Credit Certificate (MCC)

Texas State Affordable Housing Corporation

Available Down Payment

About This Program

Mortgage Credit Certificate allows first-time homebuyers in Texas to claim a federal tax credit equal to 30% of annual mortgage interest paid, up to $2,000 per year. Can be combined with Texas first-time homebuyer loan programs.

Annual federal tax credit value for median mortgage interest

Key Details

  • 30% of annual mortgage interest as tax credit
  • Up to $2,000 credit per year for life of loan
  • Income limits apply (typically 115-140% AMI)
  • First-time homebuyer or targeted area purchase
  • Available through participating lenders in McLennan County

How to Apply

Visit Official Program Page Track this program

(512) 477-3555

Deadline: Ongoing through participating lenders

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