Texas Mortgage Credit Certificate (MCC)

Texas State Affordable Housing Corporation

Available Down Payment

About This Program

Texas Mortgage Credit Certificate (MCC) is available to homeowners in Borger, TX.

Federal income tax credit equal to 20% of annual mortgage interest paid, reducing federal tax liability dollar-for-dollar. Available to first-time homebuyers meeting income limits. Credit continues for the life of the loan while homeowner occupies the property.

Annual tax credit equal to 20% of mortgage interest paid, up to $2,000

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

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

Key Details

  • 20% of mortgage interest as federal tax credit
  • Up to $2,000 annually for life of loan
  • First-time homebuyers in Hutchinson County
  • Income at or below program limits
  • Reduces federal tax liability dollar-for-dollar

How to Apply

A grant-savvy contractor in Borger, TX 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, subject to annual allocation

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 Texas Mortgage Credit Certificate (MCC) provide in Borger, TX?

Up to $2,000 annual federal tax credit.

Who qualifies for Texas Mortgage Credit Certificate (MCC) in Borger?

Texas Mortgage Credit Certificate (MCC) is open to homeowners in Borger, TX.

How do I apply for Texas Mortgage Credit Certificate (MCC) in Borger, TX?

Apply directly with Texas State Affordable Housing Corporation using the official program link on this page or call (512) 477-3555. 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 Borger, TX

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

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