Texas Mortgage Credit Certificate Program

The Texas Department of Housing and Community Affairs is pleased to announce that its My First Texas Home (MFTH) Program has made available nearly $144 million for Texas homebuyers to use when purchasing their first home. Qualifying homebuyers can take advantage of some amazing mortgage loan rates for FHA, VA, and USDA government loans.

A Mortgage Credit Certificate, also known as an MCC, is a federal tax credit that reduces the amount of federal income tax paid by the homeowner. The tax credit is equal to 20% of the mortgage interest paid during the tax year. Homeowners are eligible for the tax credit every year, as long as they occupy the home as their primary residence.

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The Texas State Affordable Housing Corporation (TSAHC) provides access to mortgage credit certificates (MCC) and fixed-rate mortgage loans that include down payment assistance (DPA) attached to the loan.

The Texas Mortgage Credit Certificate Program (MCC) is a tax credit that reduces the federal income taxes of qualified buyers buying a qualified residence. A Mortgage Credit Certificate (an "MCC") is an instrument to assist persons of low and moderate income to better afford individual ownership of housing.

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You may be eligible for the credit if you were issued a qualified Texas Mortgage Credit Certificate ("TXMCC") from the Texas Department of Housing and Community Affairs. Generally, a TXMCC is issued only in connection with a new mortgage for the purchase of your primary residence.

That’s why the federal and Ohio state governments have created loan and mortgage programs specifically for first-time. you could qualify for a mortgage credit certificate. For OHFA first-time home.

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