Up to $0 toward a down payment in CA.
Federal income tax credit of 20% of annual mortgage interest (max $2,000/year) through SHRA's local MCC program. First-time homebuyers purchasing in Sacramento City or County. Valid for life of 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 SHRA Mortgage Credit Certificate (MCC) Program - Sacramento: 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.