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tax-credit
Mortgage Credit Certificate (MCC)
MS Housing Authority
Max Funding
$2,000
Available In
MS
Program Overview
MCCs allow homebuyers to claim a federal tax credit for a portion of mortgage interest paid annually, reducing tax liability and increasing take-home pay.
Eligibility Requirements
First-time homebuyer Income and purchase price limits apply Property must be primary residence Cannot refinance with MCC File Form 8396 annually
Additional Requirements
First-time homebuyer Income and purchase price limits apply Property must be primary residence Cannot refinance with MCC File Form 8396 annually
How to Apply
Apply through ADFA-approved lender before closing. MCC issued at closing. Claim credit on federal tax return using Form 8396.