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Get Matched Free →Louisiana Mortgage Credit Certificate (MCC)
Funding status: Active
How much assistance
Federal tax credit of up to 40% of annual mortgage interest, capped at $2,000 per year
Credit can be claimed every year for the life of the loan as long as the home remains your primary residence. If you sell before 9 years, you may have to repay some of the credit. If you refinance, the credit is lost.
Eligibility
- Income limits: Income and purchase price limits apply, determined by household size and property location.
- First-time buyer required: Yes — Must be a first-time homebuyer.
- Geographic restrictions: Available statewide in Louisiana, with designated target areas.
- Homebuyer education required: No
How to Apply for Louisiana Mortgage Credit Certificate (MCC)
Apply through an LHC-approved participating lender. The MCC can be layered with any first-time homebuyer loan product except MRB programs. The tax credit increases disposable income, which may help you qualify for a larger loan.
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