Mortgage Credit Certificates
Income and Purchase Price Limits
Census Tract Search
Targeted Area Maps
MCC Program Brochure
CHFA Mortgage Credit Certificate Program (MCC)
I want my MCC!
Save money every year with the CHFA Mortgage Credit Certificate (CHFA MCC)! Getting a CHFA MCC is like getting a 20 percent discount off your mortgage interest rate.
how it works
Pair the CHFA MCC with your CHFA First Mortgage Loan or a loan from your favorite lender.
Reduce the amount of federal taxes you owe by claiming 20 percent of your annual mortgage interest as a tax credit on your tax return.
Claim the remaining interest as a home mortgage interest deduction.
The result: You pay lower taxes and have more money to put back into your home or into savings!
how do you qualify?
First time homebuyers
Non-first time homebuyers purchasing in
CHFA–approved homebuyer education required
Mid credit score of 620
Must live in the home as a primary residence
Income and purchase price limits
(Targeted areas have different income and purchase price limits and no first time homebuyer requirements. These areas are determined by
Tell your lender
"I want my MCC"
to get the savings started!
Christine Rucks is a proud homeowner in Parker. Hear about her experience with CHFA and learn how our Statewide Mortgage Credit Certificate program helped her afford her new home.
federal recapture tax
You could be subject to the
Federal Recapture Tax
when you sell your home.
I want my MCC! Where do I start?
Contact us to get started! You can reach us via
, call us at 888.320.3688, or view the list of
CHFA Participating Lenders
MCC Tax Example
I want my MCC!
Where do I start?
Contact us to get started!
You can reach us via
, call us at 888.320.3688, or
contact a lender
in your area.
Continue the savings by
reissuing your MCC
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