OHFA Mortgage Tax Credit (MTC)

Ang OHFA Mortgage Tax Credit (MTC) ay isang mortgage credit certificate para sa mga bibili ng bahay sa Ohio, na pinangangasiwaan ng Ohio Housing Finance Agency (OHFA). The Ohio Housing Finance Agency's Mortgage Tax Credit is a Mortgage Credit Certificate (MCC) that provides homebuyers a direct, non-refundable federal tax credit on a portion of mortgage interest paid each year, in addition to the home mortgage interest deduction. It can provide up to $2,000 in tax savings per year for the life of the loan. It is offered as MTC Plus (with an OHFA first mortgage; 40% credit rate) and MTC Basic (with a non-OHFA lender's mortgage; 20% in target areas, 15% in non-target areas). Federal tax credit up to $2,000 per year on mortgage interest, for the life of the loan. In addition to the standard mortgage interest deduction. Ang pondo ay mula sa Federal Mortgage Credit Certificate authority under IRC Section 25; administered by OHFA.

Nag-aalok ang OHFA Mortgage Tax Credit (MTC) ng tulong na hanggang $2,000. Mga award tier: MTC Plus (used with an OHFA mortgage): 40% credit rate, max $2,000/yr, combinable with OHFA Down Payment Assistance. MTC Basic (used with a non-OHFA mortgage): 20% credit rate in target areas, 15% in non-target areas (no credit score requirement). Maaaring isama ang programa sa OHFA Down Payment Assistance (with MTC Plus); other OHFA homebuyer programs per OHFA combining-programs guidance. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Ohio Housing Finance Agency (OHFA) ang nagpapasya sa anumang indibidwal na award.

Ang OHFA Mortgage Tax Credit (MTC) ay isang tax credit at hindi loan, kaya walang babayaran. Kailangang bayaran kapag may Not a loan; no repayment. Federal recapture tax may apply on sale within 9 years (reimbursed by OHFA). Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang OHFA Mortgage Tax Credit (MTC) sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": First-time buyer requirement waived for honorably discharged veterans and for buyers purchasing in a federally designated target area. Tungkol sa credit, sinasabi ng programa: Conventional/USDA/VA: 640+; FHA: 650+. No credit score requirement for MTC Basic. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Any HUD-approved counseling agency in Ohio via OHFA's Homebuyer Education Portal (hbe.ohiohome.org); not required for MTC Basic-only borrowers. Requirement sa paninirahan: Property must be the borrower's primary residence located in Ohio. Mortgage Credit Certificate (non-refundable federal tax credit); homebuyer must have federal tax liability to benefit. Applications paused 5/13/2026, expected to reopen 7/1/2026 (ongoing, not discontinued). MTC must be reissued within 12 months if the loan is refinanced.

Ganito itinatakda ng OHFA Mortgage Tax Credit (MTC) ang income limit nito: Must meet OHFA income limits, which vary by county, household size, and target/non-target area status (see OHFA Income and Purchase Price Limits by County). Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Ganito nililimitahan ng OHFA Mortgage Tax Credit (MTC) ang presyo ng pagbili: Must meet OHFA purchase price limits, which vary by county and target/non-target status (see OHFA limits PDF). Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Condo, 2-4 Unit, Manufactured, at Modular. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng OHFA Mortgage Tax Credit (MTC) ang mga bibili ng bahay kahit saan sa Ohio. Tinutukoy ng programa ang mga partikular na lugar: Federally designated target areas exist in Ohio; the first-time homebuyer requirement is waived, higher income/purchase price limits apply, and the MTC Basic credit rate is 20% (vs. 15% in non-target areas).

Dumadaan sa Ohio Housing Finance Agency (OHFA) ang mga aplikasyon para sa OHFA Mortgage Tax Credit (MTC), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Reserved/registered through an OHFA-approved lender; application submitted with the closing package. Applications paused 5/13/2026, expected to reopen 7/1/2026. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.