PHFA Mortgage Credit Certificate (MCC) Program

PHFA Mortgage Credit Certificate (MCC) Program是面向Statewide，Pennsylvania购房者的抵押贷款抵税证书，由Pennsylvania Housing Finance Agency管理。 The PHFA Mortgage Credit Certificate (MCC) Program provides eligible low- and moderate-income homebuyers a federal income tax credit on a portion of the mortgage interest they pay each year, claimed via IRS Form 8396. It is a statewide program offered in conjunction with PHFA's HFA Preferred Risk Sharing, HFA Preferred, and Keystone Government loans, and borrowers must meet Keystone Home Loan income and purchase price limits. An MCC reduces federal tax liability annually for the life of the loan. Annual federal income tax credit on mortgage interest. Reduces federal tax liability for the life of the loan. Statewide (target and non-target areas). Pairs with PHFA first mortgages.

PHFA Mortgage Credit Certificate (MCC) Program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。

PHFA 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：Per Keystone Home Loan rules, the first-time homebuyer requirement is waived for veterans and buyers purchasing in targeted areas. 须参加购房者教育课程，由PHFA-approved counseling agencies; per the underlying first mortgage program requirements.提供。 Subject to applicable federal tax law including income/purchase price limits and potential federal recapture tax. Claimed annually on IRS Form 8396.

PHFA Mortgage Credit Certificate (MCC) Program的收入限制如下：Borrowers must meet the Keystone Home Loan program income and purchase price limits, published as county-by-county tables in Appendix A. Available statewide in target and non-target areas. 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。

PHFA Mortgage Credit Certificate (MCC) Program服务于在Statewide，Pennsylvania购房的购房者。 该项目针对特定区域：Available statewide in both target and non-target areas; targeted areas identified in Appendix A.

PHFA Mortgage Credit Certificate (MCC) Program的申请通过Pennsylvania Housing Finance Agency办理，该机构在其网站上公布现行条款和申请步骤。 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。