SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC)

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) é um certificado de crédito hipotecário para compradores de imóveis em South Carolina, administrado por South Carolina State Housing Finance and Development Authority (SC Housing). The SC Mortgage Tax Credit is a Mortgage Credit Certificate (MCC) program administered by SC Housing that provides a federal income tax credit equal to 30% of the mortgage interest paid each year, up to $2,000 annually, for as long as the borrower owns and occupies the home and pays mortgage interest. Remaining mortgage interest may still be claimed as a regular deduction. The credit can reduce taxes owed at filing or increase take-home pay via withholding, and lenders may use it to help the borrower qualify. Annual federal tax credit equal to 30% of mortgage interest, up to $2,000/year. Available for the life of the loan while owner-occupied. Remaining mortgage interest still deductible. Usable as qualifying income to help the borrower qualify. Reissuable once on a qualifying refinance.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) oferece até $2,000 de ajuda. O programa pode ser combinado com Palmetto Home Advantage and SC Housing DPA programs; Conventional/FHA/VA/USDA first mortgages. Os valores são os máximos publicados pelo programa, não uma oferta — South Carolina State Housing Finance and Development Authority (SC Housing) define qualquer ajuda individual.

SC Housing Mortgage Tax Credit Program (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.

SC Housing Mortgage Tax Credit Program (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 requirement waived in targeted counties/areas and for qualifying veterans; in targeted counties borrower may have owned in the past three years but cannot own another property at closing. Sobre crédito, o programa afirma: No minimum credit score for the standalone MCC; if issued with another SC Housing loan program, that program's requirements apply. Requisito de residência: Property must be in South Carolina and the borrower owner-occupied primary residence. Cidadania ou situação imigratória: U.S. citizen or Permanent Resident Alien with a valid Green Card; visas not eligible. PROGRAM SUNSETS 06/30/2026 - SC Housing accepts MCC reservations only through 6:00 PM June 30, 2026 (including Palmetto Home Advantage programs tied to an MCC). MCC must close simultaneously with the first mortgage. Federal tax transcripts for the last three years required. No cosigners or non-occupying co-borrowers. $500 MCC issuance fee plus lender admin fee up to $500. First-time homebuyer required in non-targeted counties; waived in targeted counties and for qualifying veterans. County-tiered income limits; statewide $450,000 home price limit; property up to 5 acres. Cannot combine with the SC Housing bond loan, FHA 203(k), or USDA 502 Direct.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) define seu limite de renda assim: County-specific household income limits (2025/2026, eff. 04.15.2025). Non-targeted counties range ~$90,500 (1-2 persons)/$104,075 (3+ persons) up to York $112,200/$129,030; targeted counties higher, up to Beaufort $135,000/$157,500. Compliance income based on total income for anyone on the application and/or on title. 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.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) limita o preço de compra a $450,000. Os tipos de imóvel elegíveis incluem Single Family, Townhouse, Condo, PUD, Manufactured e Modular. Construções novas são elegíveis. Casas pré-fabricadas são elegíveis.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) cita veteranos, militares da ativa e reservistas e membros da Guarda Nacional entre os grupos que atende. Aparecer aqui significa que o programa menciona o grupo, não que fazer parte dele, por si só, qualifique um candidato — as demais regras de elegibilidade continuam valendo.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) atende compradores de imóveis que compram em qualquer lugar de South Carolina. O programa é voltado para áreas específicas: Targeted areas (Qualified Census Tracts and Areas of Chronic Economic Distress) waive the first-time requirement and carry higher income limits. Targeted counties include Beaufort, Berkeley, Calhoun, Dorchester, Edgefield, Fairfield, Saluda.

As inscrições para SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) são feitas por meio de South Carolina State Housing Finance and Development Authority (SC Housing), que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de Reservations via SC Housing Lender Online, 10:00 AM-6:00 PM Mon-Fri; rates posted daily. 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.