MSHDA Mortgage Credit Certificate (MCC)

MSHDA Mortgage Credit Certificate (MCC) é um certificado de crédito hipotecário para compradores de imóveis em Condado de Statewide, Michigan, administrado por Michigan State Housing Development Authority (MSHDA). The MSHDA Mortgage Credit Certificate (MCC) is a federal income tax credit issued in connection with the purchase of a home. Qualified homebuyers can credit 20% of the annual mortgage interest paid against their year-end federal tax liability as a dollar-for-dollar reduction in tax owed, for the life of the original mortgage (up to 30 years). It is available to first-time homebuyers statewide and to repeat homebuyers in targeted areas, and must be applied for and approved through an approved MCC lender before purchase. Federal tax credit of 20% of annual mortgage interest paid. Dollar-for-dollar reduction in federal income tax liability. Credit available for the life of the original mortgage (up to 30 years). Available to first-time homebuyers statewide and repeat homebuyers in targeted areas. MSHDA reimburses any IRS recapture tax the seller pays.

MSHDA Mortgage Credit Certificate (MCC) oferece até $2,000 de ajuda. Os valores são os máximos publicados pelo programa, não uma oferta — Michigan State Housing Development Authority (MSHDA) define qualquer ajuda individual.

MSHDA Mortgage Credit Certificate (MCC) é um crédito fiscal, e não um empréstimo, então não há nada a devolver. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

MSHDA Mortgage Credit Certificate (MCC) é aberto a compradores do primeiro imóvel e compradores de imóveis que vão morar no imóvel como residência principal. “Primeiro imóvel” tem exceções aqui: First-time homebuyer requirement (no ownership interest in a principal residence in the preceding three years) is waived for buyers purchasing in federally designated targeted areas; repeat homebuyers are eligible in targeted areas. Requisito de residência: Must occupy the residence as principal residence within 60 days after closing. MCC must be applied for and approved through an approved MSHDA MCC lender PRIOR to purchasing the home; it is only available with a mortgage for a home purchase (not a refinance). The mortgage cannot pay off an existing mortgage or land contract (exceptions for certain construction-period/temporary loans). MCC is nonrefundable; the benefit cannot exceed federal taxes owed in a given year. All overtime income must be included in household income. Borrowers must meet the participating lender's credit/underwriting criteria.

MSHDA Mortgage Credit Certificate (MCC) define seu limite de renda assim: Household income limits vary by county and by targeted vs. non-targeted area, with separate limits for 1-2 person and 3-or-more person households (effective 6.1.2026). The borrower must meet the lower of state and federal income limits, and all overtime income must be included. Non-targeted area examples (1-2 / 3+ persons): most counties $98,400 / $113,160; Kent (non-targeted) $106,600 / $122,590; Ottawa (non-targeted) $113,700 / $130,755; Livingston (non-targeted) $129,000 / $148,350. Targeted area examples (1-2 / 3+): baseline $118,080 / $137,760; Kalamazoo $129,720 / $151,340; Washtenaw $170,760 / $199,220. See the MSHDA Income & Sales Price Limits table (6.1.2026) for the full county-by-county breakdown. O limite vale para a renda total da família, não só a do mutuário. Os valores da renda mediana da região são publicados pelo HUD e atualizados todo ano, então confira a tabela atual do condado antes de se basear em um número.

MSHDA Mortgage Credit Certificate (MCC) limita o preço de compra a $566,355. Os tipos de imóvel elegíveis incluem Single Family, Condo e Manufactured. Construções novas são elegíveis. Casas pré-fabricadas são elegíveis.

MSHDA Mortgage Credit Certificate (MCC) atende compradores de imóveis que compram em Condado de Statewide, Michigan. O programa dá prioridade a áreas designadas, então o endereço importa, além do condado.

As inscrições para MSHDA Mortgage Credit Certificate (MCC) são feitas por meio de Michigan State Housing Development Authority (MSHDA), que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de First-come, first-served basis; applications made through participating lenders. No allocation of MCCs by lender or by geographic area. A Hey Prescott não é uma credora e não aceita inscrições; esta página descreve o programa para que um comprador de imóvel possa levá-lo a um credor ou a um conselheiro habitacional.