MSHDA Mortgage Credit Certificate (MCC)

MSHDA Mortgage Credit Certificate (MCC)是面向Statewide县，Michigan购房者的抵押贷款抵税证书，由Michigan State Housing Development Authority (MSHDA)管理。 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)提供最高$2,000的援助。 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Michigan State Housing Development Authority (MSHDA)决定。

MSHDA Mortgage Credit Certificate (MCC)是税收抵免而非贷款，因此无需偿还。 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。

MSHDA Mortgage Credit Certificate (MCC)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 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. 居住要求：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)的收入限制如下：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. 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。

MSHDA Mortgage Credit Certificate (MCC)将房价上限设为$566,355。 符合条件的房屋类型包括Single Family、Condo和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

MSHDA Mortgage Credit Certificate (MCC)服务于在Statewide县，Michigan购房的购房者。 该项目优先考虑指定的目标区域，因此除了县以外，具体地址也很重要。

MSHDA Mortgage Credit Certificate (MCC)的申请通过Michigan State Housing Development Authority (MSHDA)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First-come, first-served basis; applications made through participating lenders. No allocation of MCCs by lender or by geographic area.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。