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

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) è un certificato di credito sul mutuo per chi compra casa in South Carolina, gestito da 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) offre un aiuto fino a $2,000. Il programma può essere combinato con Palmetto Home Advantage and SC Housing DPA programs; Conventional/FHA/VA/USDA first mortgages. Gli importi sono i massimi pubblicati dal programma, non un'offerta: è South Carolina State Housing Finance and Development Authority (SC Housing) a stabilire l'eventuale importo per ciascuna persona.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) è un credito d'imposta e non un prestito, quindi non c'è nulla da restituire. Le condizioni di condono e di rimborso sono fissate dal programma e possono cambiare: verificale sulla pagina ufficiale del programma prima di fare domanda.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) è aperto a chi compra la prima casa e chi compra casa e ci vivrà come residenza principale. Qui "prima casa" prevede delle eccezioni: 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. Sul credito, il programma afferma: No minimum credit score for the standalone MCC; if issued with another SC Housing loan program, that program's requirements apply. Requisito di residenza: Property must be in South Carolina and the borrower owner-occupied primary residence. Cittadinanza o status migratorio: 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) stabilisce il proprio limite di reddito così: 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. Il limite si applica al reddito totale del nucleo familiare, non solo a quello del richiedente del mutuo. I dati sul reddito mediano dell'area sono pubblicati da HUD e aggiornati ogni anno, quindi controlla la tabella attuale della contea prima di basarti su una cifra.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) fissa un prezzo di acquisto massimo di $450,000. I tipi di immobile idonei includono Single Family, Townhouse, Condo, PUD, Manufactured e Modular. Le nuove costruzioni sono idonee. Le case prefabbricate sono idonee.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) cita veterani, militari in servizio attivo e riservisti e membri della Guardia Nazionale tra i gruppi a cui si rivolge. Essere citati qui significa che il programma menziona il gruppo, non che l'appartenenza basti da sola a soddisfare i requisiti: valgono comunque le altre regole di idoneità.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) si rivolge a chi compra casa in qualsiasi zona di South Carolina. Il programma si rivolge a zone specifiche: 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.

Le domande per SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) passano da South Carolina State Housing Finance and Development Authority (SC Housing), che pubblica sul proprio sito le condizioni attuali e i passaggi per fare domanda. I fondi vengono prenotati tramite Reservations via SC Housing Lender Online, 10:00 AM-6:00 PM Mon-Fri; rates posted daily. Hey Prescott non è un istituto di credito e non accetta domande; questa pagina descrive il programma perché chi compra casa possa parlarne con un istituto di credito o un consulente abitativo.