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

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC)是面向South Carolina购房者的抵押贷款抵税证书，由South Carolina State Housing Finance and Development Authority (SC Housing)管理。 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.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC)提供最高$2,000的援助。 该项目可与Palmetto Home Advantage and SC Housing DPA programs; Conventional/FHA/VA/USDA first mortgages.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South Carolina State Housing Finance and Development Authority (SC Housing)决定。

SC Housing Mortgage Tax Credit Program (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。

SC Housing Mortgage Tax Credit Program (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 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. 关于信用，该项目说明：No minimum credit score for the standalone MCC; if issued with another SC Housing loan program, that program's requirements apply. 居住要求：Property must be in South Carolina and the borrower owner-occupied primary residence. 公民身份或移民身份：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.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC)的收入限制如下：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. 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。

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC)将房价上限设为$450,000。 符合条件的房屋类型包括Single Family、Townhouse、Condo、PUD、Manufactured和Modular。 新建房屋符合条件。 预制房屋符合条件。

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC)在其服务群体中提到了退伍军人、现役军人和预备役人员和国民警卫队成员。 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。

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC)服务于在South Carolina任何地方购房的购房者。 该项目针对特定区域：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.

SC Housing Mortgage Tax Credit Program (Mortgage Credit Certificate / MCC)的申请通过South Carolina State Housing Finance and Development Authority (SC Housing)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Reservations via SC Housing Lender Online, 10:00 AM-6:00 PM Mon-Fri; rates posted daily.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。