Up to $0 toward a down payment in TX.
TDHCA's Texas Mortgage Credit Certificate provides eligible first-time homebuyers a federal income tax credit equal to 20% of annual mortgage interest paid, reducing federal tax liability dollar-for-dollar each year the home is their primary residence. The standalone MCC may be combined with eligible first mortgage products. A recapture provision applies if the home is sold within 9 years.
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 TDHCA 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.