California Housing Finance Agency
CalHFA Mortgage Credit Certificate (MCC) is available to homeowners in Bakersfield, CA.
Federal tax credit for first-time homebuyers in Bakersfield that reduces federal income tax by 20-35% of annual mortgage interest paid. Increases buying power and reduces monthly housing costs for the life of the loan.
Annual federal tax credit on mortgage interest paid
Data last verified 2026-05-25. How we verify our data.
In Bakersfield, CA, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Bakersfield, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
Documents you will likely need
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 program
Ask us. It is free, and a real person answers within a business day.
Email us about this program20% to 35% annual tax credit.
CalHFA Mortgage Credit Certificate (MCC) is open to homeowners in Bakersfield, CA.
Apply directly with California Housing Finance Agency using the official program link on this page or call (877) 922-5432. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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