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

Ang SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) ay isang mortgage credit certificate para sa mga bibili ng bahay sa South Carolina, na pinangangasiwaan ng 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.

Nag-aalok ang SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) ng tulong na hanggang $2,000. Maaaring isama ang programa sa Palmetto Home Advantage and SC Housing DPA programs; Conventional/FHA/VA/USDA first mortgages. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang South Carolina State Housing Finance and Development Authority (SC Housing) ang nagpapasya sa anumang indibidwal na award.

Ang SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) ay isang tax credit at hindi loan, kaya walang babayaran. 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 SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) 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 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. Tungkol sa credit, sinasabi ng programa: No minimum credit score for the standalone MCC; if issued with another SC Housing loan program, that program's requirements apply. Requirement sa paninirahan: Property must be in South Carolina and the borrower owner-occupied primary residence. Citizenship o katayuan sa imigrasyon: 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.

Ganito itinatakda ng SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) ang income limit nito: 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. 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.

Nililimitahan ng SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) ang presyo ng pagbili sa $450,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Townhouse, Condo, PUD, Manufactured, at Modular. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Binabanggit ng SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) ang mga beterano, mga miyembro ng militar na nasa aktibong serbisyo, at mga reservist at miyembro ng National Guard sa mga grupong pinaglilingkuran nito. Ang pagkakabanggit dito ay nangangahulugang binabanggit ng programa ang grupo, hindi na sapat na ang pagiging miyembro para maging kwalipikado ang isang aplikante — nalalapat pa rin ang iba pang patakaran sa eligibility.

Pinaglilingkuran ng SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC) ang mga bibili ng bahay kahit saan sa South Carolina. Tinutukoy ng programa ang mga partikular na lugar: 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.

Dumadaan sa South Carolina State Housing Finance and Development Authority (SC Housing) ang mga aplikasyon para sa SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Reservations via SC Housing Lender Online, 10:00 AM-6:00 PM Mon-Fri; rates posted daily. 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.