Mortgage Credit Certificate (MCC)
The Mortgage Credit Certificate program offers first-time home buying Hoosiers a Federal tax credit. The tax credit amount ranges between 20% and 35% of the interest paid on a mortgage each year, depending on the mortgage loan amount. The maximum credit per year is $2,000.
MCC Video (English)
MCC Video (Spanish)
Ready to get started? Please review our "Participating Lenders & Program Income Limits" page to learn about what income limits apply to your area and to find a lender in your county that can help you with your financing needs.
Download IHCDA's brochure Opportunities for Homeownership in Indiana, for additional information.
Contact IHCDA if you have more questions.
MCC Re-Issuance
Are you already a MCC certificate holder and want to refinance or have refinanced? Return the MCC Re-Issuance Affidavit along with items listed on form to continue the benefit of your tax credit.Contact IHCDA if you have more questions.
