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IHCDA Mortgage Credit Certificate (MCC)

Administered by: Indiana Housing and Community Development Authority (IHCDA) · State · Tax Credit

Funding status: Active

How much assistance

Up to $2,000 per year in federal tax credits (Tax Credit)

Available annually for the life of the mortgage as long as the borrower occupies the home as their primary residence.

Eligibility

  • Income limits: Varies by county; subject to IHCDA income limits.
  • First-time buyer required: Yes — Must not have owned a home in the past 3 years. Veterans and buyers in targeted areas are exempt.
  • Geographic restrictions: Must purchase within Indiana.
  • Homebuyer education required: No

How to Apply for IHCDA Mortgage Credit Certificate (MCC)

Step 1: Request the Mortgage Credit Certificate when applying for a loan through an IHCDA Participating Lender. The MCC can be combined with other IHCDA programs.

Visit program website

Notes

Can be combined with First Place or Next Home programs. The tax credit is claimed annually when filing federal income taxes.

Available Statewide In