OHFA Mortgage Tax Credit (MTC)

OHFA Mortgage Tax Credit (MTC) es un certificado de crédito hipotecario para compradores de vivienda en Ohio, a cargo de Ohio Housing Finance Agency (OHFA). The Ohio Housing Finance Agency's Mortgage Tax Credit is a Mortgage Credit Certificate (MCC) that provides homebuyers a direct, non-refundable federal tax credit on a portion of mortgage interest paid each year, in addition to the home mortgage interest deduction. It can provide up to $2,000 in tax savings per year for the life of the loan. It is offered as MTC Plus (with an OHFA first mortgage; 40% credit rate) and MTC Basic (with a non-OHFA lender's mortgage; 20% in target areas, 15% in non-target areas). Federal tax credit up to $2,000 per year on mortgage interest, for the life of the loan. In addition to the standard mortgage interest deduction. Los fondos provienen de Federal Mortgage Credit Certificate authority under IRC Section 25; administered by OHFA.

OHFA Mortgage Tax Credit (MTC) ofrece hasta $2,000 de ayuda. Niveles de ayuda: MTC Plus (used with an OHFA mortgage): 40% credit rate, max $2,000/yr, combinable with OHFA Down Payment Assistance. MTC Basic (used with a non-OHFA mortgage): 20% credit rate in target areas, 15% in non-target areas (no credit score requirement). El programa se puede combinar con OHFA Down Payment Assistance (with MTC Plus); other OHFA homebuyer programs per OHFA combining-programs guidance. Los montos son los máximos publicados por el programa, no una oferta: Ohio Housing Finance Agency (OHFA) determina cualquier ayuda individual.

OHFA Mortgage Tax Credit (MTC) es un crédito fiscal y no un préstamo, así que no hay nada que devolver. El reembolso se activa por Not a loan; no repayment. Federal recapture tax may apply on sale within 9 years (reimbursed by OHFA). 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.

OHFA Mortgage Tax Credit (MTC) 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 waived for honorably discharged veterans and for buyers purchasing in a federally designated target area. Sobre el crédito, el programa indica: Conventional/USDA/VA: 640+; FHA: 650+. No credit score requirement for MTC Basic. Se requiere un curso de educación para compradores de vivienda, a través de Any HUD-approved counseling agency in Ohio via OHFA's Homebuyer Education Portal (hbe.ohiohome.org); not required for MTC Basic-only borrowers. Requisito de residencia: Property must be the borrower's primary residence located in Ohio. Mortgage Credit Certificate (non-refundable federal tax credit); homebuyer must have federal tax liability to benefit. Applications paused 5/13/2026, expected to reopen 7/1/2026 (ongoing, not discontinued). MTC must be reissued within 12 months if the loan is refinanced.

OHFA Mortgage Tax Credit (MTC) fija su límite de ingresos así: Must meet OHFA income limits, which vary by county, household size, and target/non-target area status (see OHFA Income and Purchase Price Limits by County). 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.

OHFA Mortgage Tax Credit (MTC) limita el precio de compra así: Must meet OHFA purchase price limits, which vary by county and target/non-target status (see OHFA limits PDF). Los tipos de propiedad elegibles incluyen Single Family, Condo, 2-4 Unit, Manufactured y Modular. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

OHFA Mortgage Tax Credit (MTC) atiende a compradores de vivienda que compran en cualquier lugar de Ohio. El programa se dirige a áreas específicas: Federally designated target areas exist in Ohio; the first-time homebuyer requirement is waived, higher income/purchase price limits apply, and the MTC Basic credit rate is 20% (vs. 15% in non-target areas).

Las solicitudes de OHFA Mortgage Tax Credit (MTC) se tramitan a través de Ohio Housing Finance Agency (OHFA), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Reserved/registered through an OHFA-approved lender; application submitted with the closing package. Applications paused 5/13/2026, expected to reopen 7/1/2026. 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.