Up to $2,000 toward a down payment in CA.
Federal tax credit equal to 20% of mortgage interest paid (up to $2,000/year). Reduces homebuyer's federal income tax liability annually for life of loan. Issued by SDHC for San Diego County.
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 San Diego County 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.