Indiana Mortgage Credit Certificate (MCC)

Indiana Housing & Community Development Authority

Available Down Payment

About This Program

Indiana Mortgage Credit Certificate (MCC) is available in Fishers, IN.

Federal tax credit for first-time homebuyers that converts a portion of mortgage interest into a dollar-for-dollar tax credit. Provides up to $2,000 annually for the life of the loan.

Annual federal tax credit based on mortgage interest paid

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

Data last verified 2026-05-25. How we verify our data.

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

Key Details

  • Up to $2,000 annual federal tax credit
  • For first-time homebuyers
  • Credit lasts for life of mortgage
  • Income and purchase price limits apply
  • Must use participating lender

How to Apply

Get free help applying Visit Official Program Page Track this program

(317) 232-7777

A grant-savvy contractor in Fishers, 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).
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: Ongoing while funds available

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 Fishers, IN?

Up to $2,000 annual tax credit.

How do I apply for Indiana Mortgage Credit Certificate (MCC) in Fishers, 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.

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Find More Programs in Fishers, IN

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

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