Tennessee Mortgage Credit Certificate (MCC)

Tennessee Housing Development Agency

Available Down Payment

About This Program

Tennessee Mortgage Credit Certificate (MCC) is available to homeowners in Bristol, TN.

Federal tax credit equal to 20% of annual mortgage interest paid, reducing federal income tax liability. Can be combined with THDA Great Choice loans for maximum benefit.

Annual tax credit equals 20% of mortgage interest paid

Official source site checked live on 2026-06-22.

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

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

Key Details

  • 20% of mortgage interest as federal tax credit
  • Available for first-time and qualified repeat buyers
  • Can combine with down payment assistance
  • Income and purchase price limits apply
  • Credit renews annually for life of mortgage

How to Apply

Get free help applying Visit Official Program Page Track this program

(615) 815-2200

A grant-savvy contractor in Bristol, TN 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).
Download this checklist (PDF)

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: Rolling, subject to availability

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 Tennessee Mortgage Credit Certificate (MCC) provide in Bristol, TN?

Up to $2,000 annual tax credit.

Who qualifies for Tennessee Mortgage Credit Certificate (MCC) in Bristol?

Tennessee Mortgage Credit Certificate (MCC) is open to homeowners in Bristol, TN.

How do I apply for Tennessee Mortgage Credit Certificate (MCC) in Bristol, TN?

Apply directly with Tennessee Housing Development Agency using the official program link on this page or call (615) 815-2200. There is no middleman and no fee.

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