Pima IDA Mortgage Credit Certificate (MCC) Program

Pima IDA Mortgage Credit Certificate (MCC) Program是面向Tucson，Arizona购房者的抵押贷款抵税证书，由Pima County Industrial Development Authority (Pima IDA), administered by Community Investment Corporation (CIC Tucson)管理。 The Pima IDA Mortgage Credit Certificate (MCC) program gives qualifying first-time homebuyers in Pima County a federal income tax credit equal to a percentage of the annual mortgage interest paid, reducing their federal tax liability each year they own and occupy the home. The 2025 Pima IDA MCC offers a 20% credit (CIC's consumer materials reference up to a 40% / $2,000 maximum annual credit depending on program year). The program runs from June 25, 2025 through December 31, 2027 and is administered by Community Investment Corporation. MCCs cannot be combined with mortgage revenue bond or veteran bond loan programs. 资金来自Federal mortgage credit certificate allocation administered by the Pima County Industrial Development Authority。

Pima IDA Mortgage Credit Certificate (MCC) Program提供最高$2,000的援助。 该项目可与Can be combined with PimaTucson Homebuyer's Solution DPA and HOME DPA; cannot combine with mortgage revenue bond/veteran bond loans.结合使用。 金额是该项目公布的上限，并非报价——具体每人的援助金额由Pima County Industrial Development Authority (Pima IDA), administered by Community Investment Corporation (CIC Tucson)决定。

Pima IDA Mortgage Credit Certificate (MCC) Program是税收抵免而非贷款，因此无需偿还。 触发还款的情形：Certificate is cancelled if the home is sold, rented, or ceases to be the primary residence; no repayment of credit otherwise. 该援助以Not applicable (tax credit, no lien)顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Pima IDA Mortgage Credit Certificate (MCC) Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：First-time buyer requirement is waived for qualified military veterans and for homes purchased in a designated Targeted Area. 居住要求：Property must be located in Pima County. (assistance_amount: Up to $2,000 annual federal tax credit) Applicant must apply for and gain MCC approval PRIOR to home closing. Must have a federal tax liability to use the credit (unused credit may be carried forward up to 3 years). One-time program fee of $1,000 (payment plans up to 6 months) plus $100 annual renewal fee beginning the year after purchase (pro-rated first year). Certificate must be reissued upon refinance. The 2025 program credit rate is 20%.

Pima IDA Mortgage Credit Certificate (MCC) Program将家庭收入限制在地区收入中位数的115%，该数值因县和家庭人数而异。 Income limits (115% of area median, Pima County) - Non-Targeted: 1-2 persons $101,100, 3+ persons $116,265. Targeted Areas: 1-2 persons $121,320, 3+ persons $141,540. 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Pima IDA Mortgage Credit Certificate (MCC) Program将房价上限设为$544,232。 符合条件的房屋类型包括Single-family detached、Manufactured housing、Condominium、Duplex和Townhouse。 新建房屋符合条件。 预制房屋符合条件。

Pima IDA Mortgage Credit Certificate (MCC) Program在其服务群体中提到了退伍军人。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Pima IDA Mortgage Credit Certificate (MCC) Program服务于在Tucson，Arizona购房的购房者。 该项目针对特定区域：Targeted Areas are economically distressed census tracts in Pima County with higher income/purchase-price limits and a waived first-time-buyer requirement; map maintained by CIC.

Pima IDA Mortgage Credit Certificate (MCC) Program的申请通过Pima County Industrial Development Authority (Pima IDA), administered by Community Investment Corporation (CIC Tucson)办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Application completed with a CIC staff member in person, by phone, or via online DocuSign portal prior to closing.预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。