hey prescott.
See what you qualify for

Leon County Housing Finance Authority MCC Program

Leon County, Florida

Last verified
See what you qualify forOfficial program site →
Income limit

115% AMI

Of area median income; varies by county and household size

Repayment

Tax credit

Not a loan, so there is nothing to repay

What is Leon County Housing Finance Authority MCC Program?

Leon County Housing Finance Authority MCC Program is a mortgage credit certificate for homebuyers in Leon County, Florida.

  • Leon County HFA provides Mortgage Credit Certificate (federal tax credit of 20% of annual mortgage interest) for eligible first-time homebuyers in Leon County area.
  • Funding comes from Federal.

Do you have to pay it back?

Leon County Housing Finance Authority MCC Program is a tax credit rather than a loan, so there is nothing to repay.

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Leon County Housing Finance Authority MCC Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A minimum 640 credit score
  • A completed homebuyer education course

The program excludes

  • Households above 115% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Leon County Housing Finance Authority MCC Program limits household income to 115% of the area median income, which varies by county and household size.

  • Income limits vary by household size; generally up to 80%-120% AMI.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Leon County Housing Finance Authority MCC Program can be used for Single Family, Condo, and Townhouse.

Where does it apply?

Leon County Housing Finance Authority MCC Program serves buyers purchasing in Leon County, Florida.

How do you apply?

Applications for Leon County Housing Finance Authority MCC Program go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

Learn this program

Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

Leon County Housing Finance Authority MCC Program, explained

A short, free course on Leon County Housing Finance Authority MCC Program: what a mortgage credit certificate is, who it is for, how you claim it, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

Read the course

Other programs in Leon County, Florida

See every program in Leon County, Florida →

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs