Mortgage Credit Certificates (MCC)

TSAHC offers a mortgage interest tax credit called a Mortgage Credit Certificate (MCC) that can save home buyers up to $2,000 off their federal income taxes 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.

Calculate your MCC Tax Savings

Use the calculator below to estimate the cumulative tax savings you will receive with an 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

  • Save up to $2,000 every year as a special tax credit based on the mortgage interest paid

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

  • Must be a first-time homebuyer (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 used with TSAHC's Down Payment Assistance
  • FREE for Texas Heroes also using TSAHC's Down Payment Assistance
  • Available statewide through a network of approved lenders

Take The Eligibility Quiz