Mortgage Credit Certificate Program

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:

*Please note: Under the MCC Program the sales price of the home you wish to purchase can not exceed certain Purchase Price Limits.

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). 

Fill out the form below to be contacted by a participating lender:

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