SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC)

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) هو شهادة ائتمان الرهن العقاري لمشتري المنازل في South Carolina، وتديره South Carolina State Housing Finance and Development Authority (SC Housing). The SC Mortgage Tax Credit is a Mortgage Credit Certificate (MCC) program administered by SC Housing that provides a federal income tax credit equal to 30% of the mortgage interest paid each year, up to $2,000 annually, for as long as the borrower owns and occupies the home and pays mortgage interest. Remaining mortgage interest may still be claimed as a regular deduction. The credit can reduce taxes owed at filing or increase take-home pay via withholding, and lenders may use it to help the borrower qualify. Annual federal tax credit equal to 30% of mortgage interest, up to $2,000/year. Available for the life of the loan while owner-occupied. Remaining mortgage interest still deductible. Usable as qualifying income to help the borrower qualify. Reissuable once on a qualifying refinance.

يقدم SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) مساعدة تصل إلى $2,000. يمكن الجمع بين البرنامج وPalmetto Home Advantage and SC Housing DPA programs; Conventional/FHA/VA/USDA first mortgages. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ South Carolina State Housing Finance and Development Authority (SC Housing) هي التي تحدد أي مبلغ يُمنح لكل شخص.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) إعفاء ضريبي وليس قرضًا، لذا لا يوجد ما يُسدَّد. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: First-time requirement waived in targeted counties/areas and for qualifying veterans; in targeted counties borrower may have owned in the past three years but cannot own another property at closing. بشأن الائتمان، ينص البرنامج على: No minimum credit score for the standalone MCC; if issued with another SC Housing loan program, that program's requirements apply. شرط الإقامة: Property must be in South Carolina and the borrower owner-occupied primary residence. الجنسية أو وضع الهجرة: U.S. citizen or Permanent Resident Alien with a valid Green Card; visas not eligible. PROGRAM SUNSETS 06/30/2026 - SC Housing accepts MCC reservations only through 6:00 PM June 30, 2026 (including Palmetto Home Advantage programs tied to an MCC). MCC must close simultaneously with the first mortgage. Federal tax transcripts for the last three years required. No cosigners or non-occupying co-borrowers. $500 MCC issuance fee plus lender admin fee up to $500. First-time homebuyer required in non-targeted counties; waived in targeted counties and for qualifying veterans. County-tiered income limits; statewide $450,000 home price limit; property up to 5 acres. Cannot combine with the SC Housing bond loan, FHA 203(k), or USDA 502 Direct.

يحدد SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) حد الدخل على النحو التالي: County-specific household income limits (2025/2026, eff. 04.15.2025). Non-targeted counties range ~$90,500 (1-2 persons)/$104,075 (3+ persons) up to York $112,200/$129,030; targeted counties higher, up to Beaufort $135,000/$157,500. Compliance income based on total income for anyone on the application and/or on title. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) حدًا أقصى لسعر الشراء قدره $450,000. تشمل أنواع العقارات المؤهلة Single Family، Townhouse، Condo، PUD، Manufactured وModular. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يذكر SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) المحاربين القدامى، أفراد الخدمة العسكرية العاملين وجنود الاحتياط وأفراد الحرس الوطني ضمن الفئات التي يخدمها. ذِكر فئة هنا يعني أن البرنامج يذكرها، لا أن الانتماء إليها وحده يجعل المتقدم مستوفيًا للشروط؛ إذ تظل بقية قواعد الأهلية سارية.

يخدم SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) مشتري المنازل الذين يشترون في أي مكان في South Carolina. يستهدف البرنامج مناطق محددة: Targeted areas (Qualified Census Tracts and Areas of Chronic Economic Distress) waive the first-time requirement and carry higher income limits. Targeted counties include Beaufort, Berkeley, Calhoun, Dorchester, Edgefield, Fairfield, Saluda.

تُقدَّم طلبات SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) عبر South Carolina State Housing Finance and Development Authority (SC Housing)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Reservations via SC Housing Lender Online, 10:00 AM-6:00 PM Mon-Fri; rates posted daily. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.