Mortgage Credit Certificates (MCC)

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.
• MCC may be reissued if the home loan is refinanced (certain conditions apply). Click here to apply for a new MCC after refinancing.

Take The Eligibility Quiz        MCC FAQs