OHFA Mortgage Tax Credit (MTC)

OHFA Mortgage Tax Credit (MTC)是面向Ohio购房者的抵押贷款抵税证书，由Ohio Housing Finance Agency (OHFA)管理。 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. 资金来自Federal Mortgage Credit Certificate authority under IRC Section 25; administered by OHFA.

OHFA Mortgage Tax Credit (MTC)提供最高$2,000的援助。 援助档次：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). 该项目可与OHFA Down Payment Assistance (with MTC Plus); other OHFA homebuyer programs per OHFA combining-programs guidance.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Ohio Housing Finance Agency (OHFA)决定。

OHFA Mortgage Tax Credit (MTC)是税收抵免而非贷款，因此无需偿还。 触发还款的情形：Not a loan; no repayment. Federal recapture tax may apply on sale within 9 years (reimbursed by OHFA). 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。

OHFA Mortgage Tax Credit (MTC)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 waived for honorably discharged veterans and for buyers purchasing in a federally designated target area. 关于信用，该项目说明：Conventional/USDA/VA: 640+; FHA: 650+. No credit score requirement for MTC Basic. 须参加购房者教育课程，由Any HUD-approved counseling agency in Ohio via OHFA's Homebuyer Education Portal (hbe.ohiohome.org); not required for MTC Basic-only borrowers.提供。 居住要求：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.

OHFA Mortgage Tax Credit (MTC)的收入限制如下：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). 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。

OHFA Mortgage Tax Credit (MTC)的房价上限如下：Must meet OHFA purchase price limits, which vary by county and target/non-target status (see OHFA limits PDF). 符合条件的房屋类型包括Single Family、Condo、2-4 Unit、Manufactured和Modular。 新建房屋符合条件。 预制房屋符合条件。

OHFA Mortgage Tax Credit (MTC)服务于在Ohio任何地方购房的购房者。 该项目针对特定区域：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).

OHFA Mortgage Tax Credit (MTC)的申请通过Ohio Housing Finance Agency (OHFA)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Reserved/registered through an OHFA-approved lender; application submitted with the closing package. Applications paused 5/13/2026, expected to reopen 7/1/2026.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。