Texas Mortgage Credit Certificate (MCC) Program

Texas State Affordable Housing Corporation

Available Down Payment

About This Program

Texas Mortgage Credit Certificate (MCC) Program is available to homeowners in College Station, TX.

Provides first-time homebuyers with a dollar-for-dollar federal tax credit equal to 20% of annual mortgage interest paid (up to $2,000 per year). MCC lasts for the life of the loan and can be combined with other first-time homebuyer programs.

Estimated annual tax credit based on 20% of typical mortgage interest

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

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

Key Details

  • 20% of mortgage interest as annual federal tax credit
  • Up to $2,000 credit per year
  • For first-time homebuyers meeting income limits
  • Lasts for the life of the loan
  • Can combine with down payment assistance

How to Apply

A grant-savvy contractor in College Station, 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 program, subject to funding

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) Program provide in College Station, TX?

Up to $2,000 annual federal tax credit.

Who qualifies for Texas Mortgage Credit Certificate (MCC) Program in College Station?

Texas Mortgage Credit Certificate (MCC) Program is open to homeowners in College Station, TX.

How do I apply for Texas Mortgage Credit Certificate (MCC) Program in College Station, 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 College Station, TX

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

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