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

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) es un certificado de crédito hipotecario para compradores de vivienda en South Carolina, a cargo de 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.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) ofrece hasta $2,000 de ayuda. El programa se puede combinar con Palmetto Home Advantage and SC Housing DPA programs; Conventional/FHA/VA/USDA first mortgages. Los montos son los máximos publicados por el programa, no una oferta: South Carolina State Housing Finance and Development Authority (SC Housing) determina cualquier ayuda individual.

SC Housing Mortgage Tax Credit Program (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.

SC Housing Mortgage Tax Credit Program (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 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. Sobre el crédito, el programa indica: No minimum credit score for the standalone MCC; if issued with another SC Housing loan program, that program's requirements apply. Requisito de residencia: Property must be in South Carolina and the borrower owner-occupied primary residence. Ciudadanía o situación migratoria: 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.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) fija su límite de ingresos así: 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. 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.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) limita el precio de compra a $450,000. Los tipos de propiedad elegibles incluyen Single Family, Townhouse, Condo, PUD, Manufactured y Modular. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) menciona a veteranos, miembros del servicio militar activo y reservistas y miembros de la Guardia Nacional 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.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) atiende a compradores de vivienda que compran en cualquier lugar de South Carolina. El programa se dirige a áreas específicas: 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.

Las solicitudes de SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) se tramitan a través de South Carolina State Housing Finance and Development Authority (SC Housing), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Reservations via SC Housing Lender Online, 10:00 AM-6:00 PM Mon-Fri; rates posted daily. 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.