MSHDA Mortgage Credit Certificate (MCC)

MSHDA Mortgage Credit Certificate (MCC) es un certificado de crédito hipotecario para compradores de vivienda en Condado de Statewide, Michigan, a cargo de Michigan State Housing Development Authority (MSHDA). The MSHDA Mortgage Credit Certificate (MCC) is a federal income tax credit issued in connection with the purchase of a home. Qualified homebuyers can credit 20% of the annual mortgage interest paid against their year-end federal tax liability as a dollar-for-dollar reduction in tax owed, for the life of the original mortgage (up to 30 years). It is available to first-time homebuyers statewide and to repeat homebuyers in targeted areas, and must be applied for and approved through an approved MCC lender before purchase. Federal tax credit of 20% of annual mortgage interest paid. Dollar-for-dollar reduction in federal income tax liability. Credit available for the life of the original mortgage (up to 30 years). Available to first-time homebuyers statewide and repeat homebuyers in targeted areas. MSHDA reimburses any IRS recapture tax the seller pays.

MSHDA Mortgage Credit Certificate (MCC) ofrece hasta $2,000 de ayuda. Los montos son los máximos publicados por el programa, no una oferta: Michigan State Housing Development Authority (MSHDA) determina cualquier ayuda individual.

MSHDA Mortgage Credit Certificate (MCC) es un crédito fiscal y no un préstamo, así que no hay nada que devolver. 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.

MSHDA Mortgage Credit Certificate (MCC) 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 homebuyer requirement (no ownership interest in a principal residence in the preceding three years) is waived for buyers purchasing in federally designated targeted areas; repeat homebuyers are eligible in targeted areas. Requisito de residencia: Must occupy the residence as principal residence within 60 days after closing. MCC must be applied for and approved through an approved MSHDA MCC lender PRIOR to purchasing the home; it is only available with a mortgage for a home purchase (not a refinance). The mortgage cannot pay off an existing mortgage or land contract (exceptions for certain construction-period/temporary loans). MCC is nonrefundable; the benefit cannot exceed federal taxes owed in a given year. All overtime income must be included in household income. Borrowers must meet the participating lender's credit/underwriting criteria.

MSHDA Mortgage Credit Certificate (MCC) fija su límite de ingresos así: Household income limits vary by county and by targeted vs. non-targeted area, with separate limits for 1-2 person and 3-or-more person households (effective 6.1.2026). The borrower must meet the lower of state and federal income limits, and all overtime income must be included. Non-targeted area examples (1-2 / 3+ persons): most counties $98,400 / $113,160; Kent (non-targeted) $106,600 / $122,590; Ottawa (non-targeted) $113,700 / $130,755; Livingston (non-targeted) $129,000 / $148,350. Targeted area examples (1-2 / 3+): baseline $118,080 / $137,760; Kalamazoo $129,720 / $151,340; Washtenaw $170,760 / $199,220. See the MSHDA Income & Sales Price Limits table (6.1.2026) for the full county-by-county breakdown. 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.

MSHDA Mortgage Credit Certificate (MCC) limita el precio de compra a $566,355. Los tipos de propiedad elegibles incluyen Single Family, Condo y Manufactured. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

MSHDA Mortgage Credit Certificate (MCC) atiende a compradores de vivienda que compran en Condado de Statewide, Michigan. El programa da prioridad a áreas designadas, así que importa la dirección además del condado.

Las solicitudes de MSHDA Mortgage Credit Certificate (MCC) se tramitan a través de Michigan State Housing Development Authority (MSHDA), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de First-come, first-served basis; applications made through participating lenders. No allocation of MCCs by lender or by geographic area. 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.