Mortgage Credit Certificates (MCC)

If you are a first-time home buyer (see definition here), you can apply for a mortgage interest tax credit known as a Mortgage Credit Certificate (MCC). An MCC reduces your federal income taxes every year by allowing you to get 15% of what you spent on mortgage interest back as a tax credit. Because the tax credit refunds a portion of your mortgage interest, it also effectively reduces your mortgage interest rate. 

To qualify, you must meet certain income requirements and the home must meet certain sales price restrictions.  Home buyers that qualify for TSAHC’s Homes for Texas Heroes program will receive their MCC for FREE.

Take the Eligibility Quiz

Please note:TSAHC's stand-alone MCC program has been discontinued indefinitely. MCC's may still be obtained in combination with TSAHC's DPA program, as funds are available. 

Questions? Contact us directly at [email protected] 

Calculate your MCC Tax Savings

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

Loan Amount is required and must only contain numbers.
Number must be a percentage (larger than 0 or less than equal to 100)

Watch an MCC Program Overview

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