SD Housing Tax Credit (MCC)

SD Housing Tax Credit (MCC)是面向Pierre，South Dakota购房者的抵押贷款抵税证书，由South Dakota Housing (SDHDA)管理。 A Mortgage Credit Certificate (MCC) giving qualified first-time homebuyers a federal income tax credit equal to a percentage of annual mortgage interest paid; remaining interest still deductible. Unused credit carries forward up to three years. Offered as an option with SDHDA's First-Time Homebuyer Program. Annual federal tax credit up to $2,000: 50% of mortgage interest for loans <=$150,000; 40% for $150,001-$250,000; 30% for $250,001+ (capped at $2,000/yr). 资金来自Federal Mortgage Credit Certificate program。

SD Housing Tax Credit (MCC)提供最高$2,000的援助。 该项目要求购房者自付$750 MCC fee, reduced to $250 if used with SDHDA's First-Time Homebuyer Program; lender may charge up to $250。 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 Dakota Housing (SDHDA)决定。

SD Housing Tax Credit (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。

SD Housing Tax Credit (MCC)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程。 MCC tax credit, not cash DPA; credit % varies by loan amount (in benefits); min credit/DTI not published.

SD Housing Tax Credit (MCC)的收入限制如下：Uses SDHDA First-Time Homebuyer income limits (eff. 4/30/2025) by county & family size; targeted areas $122,640/$143,080. 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。

SD Housing Tax Credit (MCC)将房价上限设为$410,000。

SD Housing Tax Credit (MCC)在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员、遗属配偶、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员、残障购房者和第一代购房者。 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。

SD Housing Tax Credit (MCC)服务于在Pierre，South Dakota购房的购房者。

SD Housing Tax Credit (MCC)的申请通过South Dakota Housing (SDHDA)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。