Mortgage Credit Certificates (MCC)

TSAHC offers Mortgage Credit Certificates, also known as MCCs, to first-time home buyers. An MCC is a mortgage interest tax credit that reduces the amount of federal income taxes you pay every year. MCCs are specifically for first-time home buyers who are eligible for the following programs:

• Homes for Texas Heroes Home Loan Program: for teachers, fire fighters, and EMS personnel, police and correctional officers, and veterans.
• Home Sweet Texas Home Loan Program: for Texas home buyers with low and moderate incomes.

Watch an MCC Program Overview

See how the MCC program lowers your federal income tax bill every year that you live in your home.

MCC Benefits

• Reduce your federal income tax liability every year

• Save thousands of dollars over the life of your mortgage loan

• Exclusively for first-time home buyers (defined as anyone who has not owned a home in the last three years)

• No minimum credit score required if used with a non-TSAHC fixed-rate mortgage loan
• Can be combined with TSAHC's Down Payment Assistance and FREE for Texas Heroes also using TSAHC's Down Payment Assistance. Some exclusions apply. Contact a lender to learn more.
• Available statewide through a network of approved lenders
• Income limits vary by county. Expanded income and purchase price limits available in targeted areas.

Take The Eligibility Quiz