Mortgage Credit Certificate (Standalone)

Mortgage Credit Certificate (Standalone)是面向Statewide县，Vermont购房者的抵押贷款抵税证书，由Vermont Housing Finance Agency (VHFA)管理。 A standalone Mortgage Credit Certificate creating a federal income tax credit equal to 20% of annual mortgage interest paid, capped at $2,000/year. Can be attached to any non-VHFA loan offered by a participating lender, or obtained via VHFA MOVE MCC. Remains in effect for the life of the original loan while owner-occupied. Federal income tax credit equal to 20% of annual mortgage interest, capped at $2,000/year; attachable to a non-VHFA first mortgage. 资金来自Vermont Housing Finance Agency (federal MCC authority)。

Mortgage Credit Certificate (Standalone)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Vermont Housing Finance Agency (VHFA)决定。

Mortgage Credit Certificate (Standalone)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。

Mortgage Credit Certificate (Standalone)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。 Standalone MCC (no VHFA first mortgage required). Qualifying veterans/targeted-area buyers may be exempt from first-time-buyer rule (secondary-sourced).

Mortgage Credit Certificate (Standalone)的收入限制如下：Standalone MCC limits (as of 7/14/2025): Addison/Bennington/Windsor $110,000 (1-2), $130,000 (3+); most counties $120,000 (1-2), $140,000 (3+); Washington $125,000 (1-2), $145,000 (3+). 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。

Mortgage Credit Certificate (Standalone)将房价上限设为$500,000。

Mortgage Credit Certificate (Standalone)在其服务群体中提到了退伍军人。 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。

Mortgage Credit Certificate (Standalone)服务于在Statewide县，Vermont购房的购房者。

Mortgage Credit Certificate (Standalone)的申请通过Vermont Housing Finance Agency (VHFA)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。