Pima IDA Mortgage Credit Certificate (MCC) Program

Pima IDA Mortgage Credit Certificate (MCC) Program es un certificado de crédito hipotecario para compradores de vivienda en Tucson, Arizona, a cargo de Pima County Industrial Development Authority (Pima IDA), administered by Community Investment Corporation (CIC Tucson). The Pima IDA Mortgage Credit Certificate (MCC) program gives qualifying first-time homebuyers in Pima County a federal income tax credit equal to a percentage of the annual mortgage interest paid, reducing their federal tax liability each year they own and occupy the home. The 2025 Pima IDA MCC offers a 20% credit (CIC's consumer materials reference up to a 40% / $2,000 maximum annual credit depending on program year). The program runs from June 25, 2025 through December 31, 2027 and is administered by Community Investment Corporation. MCCs cannot be combined with mortgage revenue bond or veteran bond loan programs. Los fondos provienen de Federal mortgage credit certificate allocation administered by the Pima County Industrial Development Authority.

Pima IDA Mortgage Credit Certificate (MCC) Program ofrece hasta $2,000 de ayuda. El programa se puede combinar con Can be combined with PimaTucson Homebuyer's Solution DPA and HOME DPA; cannot combine with mortgage revenue bond/veteran bond loans. Los montos son los máximos publicados por el programa, no una oferta: Pima County Industrial Development Authority (Pima IDA), administered by Community Investment Corporation (CIC Tucson) determina cualquier ayuda individual.

Pima IDA Mortgage Credit Certificate (MCC) Program es un crédito fiscal y no un préstamo, así que no hay nada que devolver. El reembolso se activa por Certificate is cancelled if the home is sold, rented, or ceases to be the primary residence; no repayment of credit otherwise. La ayuda se registra con un gravamen en posición Not applicable (tax credit, no lien). Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

Pima IDA Mortgage Credit Certificate (MCC) Program está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: First-time buyer requirement is waived for qualified military veterans and for homes purchased in a designated Targeted Area. Requisito de residencia: Property must be located in Pima County. (assistance_amount: Up to $2,000 annual federal tax credit) Applicant must apply for and gain MCC approval PRIOR to home closing. Must have a federal tax liability to use the credit (unused credit may be carried forward up to 3 years). One-time program fee of $1,000 (payment plans up to 6 months) plus $100 annual renewal fee beginning the year after purchase (pro-rated first year). Certificate must be reissued upon refinance. The 2025 program credit rate is 20%.

Pima IDA Mortgage Credit Certificate (MCC) Program limita el ingreso del hogar al 115% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Income limits (115% of area median, Pima County) - Non-Targeted: 1-2 persons $101,100, 3+ persons $116,265. Targeted Areas: 1-2 persons $121,320, 3+ persons $141,540. El límite se aplica al ingreso total del hogar, no solo al del prestatario. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

Pima IDA Mortgage Credit Certificate (MCC) Program limita el precio de compra a $544,232. Los tipos de propiedad elegibles incluyen Single-family detached, Manufactured housing, Condominium, Duplex y Townhouse. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

Pima IDA Mortgage Credit Certificate (MCC) Program menciona a veteranos entre los grupos a los que atiende. Aparecer aquí significa que el programa menciona al grupo, no que pertenecer a él baste por sí solo para que un solicitante califique; las demás reglas de elegibilidad siguen aplicándose.

Pima IDA Mortgage Credit Certificate (MCC) Program atiende a compradores de vivienda que compran en Tucson, Arizona. El programa se dirige a áreas específicas: Targeted Areas are economically distressed census tracts in Pima County with higher income/purchase-price limits and a waived first-time-buyer requirement; map maintained by CIC.

Las solicitudes de Pima IDA Mortgage Credit Certificate (MCC) Program se tramitan a través de Pima County Industrial Development Authority (Pima IDA), administered by Community Investment Corporation (CIC Tucson), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Application completed with a CIC staff member in person, by phone, or via online DocuSign portal prior to closing. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.