Mortgage Credit Certificate Programs

Are you ready to buy a home? We can help. The Texas State Affordable Housing Corporation (TSAHC) is a 501(c)(3) nonprofit organization created at the direction of the Texas Legislature to create affordable housing in Texas. TSAHC's Mortgage Credit Certificate (MCC) Program is available to teachers, fire fighters, peace officers, veterans, and low and moderate-income homebuyers. This program is available through a network of lenders across the state and provides the following benefits:

  • A dollar for dollar savings of up to $2,000 every year as a special tax credit
  • Saves the homebuyer thousands of dollars over the life of the loan
  • Exclusively for first-time home buyers or individuals who have not owned a home in the last three years
  • Can be used with TSAHC's Down Payment Assistance Program

The example below assumes a buyer purchases a home for $120,000 at a 4.75% interest rate. Interest paid the first year is approximately $5,700. An MCC tax credit of 40% of the interest paid would equal $2,280 (40% x $5,700 = $2,280).

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