California Housing Finance Agency
CalHFA Mortgage Credit Certificate is available to homeowners in Gilroy, CA.
Tax credit that allows first-time homebuyers to claim 15-50% of their annual mortgage interest as a federal tax credit (not just a deduction), reducing federal tax liability. Credit continues for life of loan as long as home remains primary residence.
Estimated annual tax credit based on 20% of mortgage interest on median Gilroy home
Data last verified 2026-06-09. How we verify our data.
In Gilroy, CA, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Gilroy, 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 subject to funding
Ask us. It is free, and a real person answers within a business day.
Email us about this programFederal tax credit worth 15-50% of annual interest.
CalHFA Mortgage Credit Certificate is open to homeowners in Gilroy, 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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