Pennsylvania Housing Finance Agency
Up to $0 toward a down payment in PA.
The PHFA Mortgage Credit Certificate (MCC) Program provides eligible low- and moderate-income homebuyers a federal income tax credit on a portion of the mortgage interest they pay each year, claimed via IRS Form 8396. It is a statewide program offered in conjunction with PHFA's HFA Preferred Risk Sharing, HFA Preferred, and Keystone Government loans, and borrowers must meet Keystone Home Loan income and purchase price limits. An MCC reduces federal tax liability annually for the life of the loan.
Short reads on how it works, in plain language. Free, no sign-up needed to read.
Free course from Hey Prescott
A short, free course on PHFA Mortgage Credit Certificate (MCC) Program: what a mortgage credit certificate is, who it is for, how you claim it, where it applies and how to apply. Based on program data from July 2026. About ten minutes.
5 modules · About 10 minutes
Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.