Indiana Mortgage Credit Certificate (MCC)

Indiana Housing & Community Development Authority

Available Down Payment

About This Program

Indiana Mortgage Credit Certificate (MCC) is available to homeowners in Avon, IN.

Federal tax credit equal to 20% of the annual mortgage interest paid on a home loan. Available to first-time homebuyers purchasing in Indiana meeting income and purchase price limits. Credit reduces federal income tax liability each year for the life of the loan. Must apply through participating lender before closing.

20% of annual mortgage interest claimed as federal tax credit

Official program page checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

In Avon, IN, you can combine this program with other local help to cut your cost:

Key Details

  • 20% of mortgage interest as tax credit annually
  • For first-time homebuyers
  • Income and price limits apply
  • Credit lasts for life of loan
  • Apply through lender before closing

How to Apply

A grant-savvy contractor in Avon, IN can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Your federal tax return for the year of the work (this benefit is claimed on your taxes, not through a separate application).
  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing, must apply before closing

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Indiana Mortgage Credit Certificate (MCC) provide in Avon, IN?

20% of annual mortgage interest.

Who qualifies for Indiana Mortgage Credit Certificate (MCC) in Avon?

Indiana Mortgage Credit Certificate (MCC) is open to homeowners in Avon, IN.

How do I apply for Indiana Mortgage Credit Certificate (MCC) in Avon, IN?

Apply directly with Indiana Housing & Community Development Authority using the official program link on this page or call (317) 232-7777. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Find More Programs in Avon, IN

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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