Oklahoma Mortgage Credit Certificate (MCC)

Oklahoma Housing Finance Agency (OHFA)

Available Down Payment

About This Program

Oklahoma Mortgage Credit Certificate (MCC) is available in Guthrie, OK.

Federal tax credit that allows first-time homebuyers in Guthrie to claim 20% of annual mortgage interest paid as a dollar-for-dollar reduction in federal income tax. Can be claimed every year for the life of the mortgage, increasing buying power.

20% of annual mortgage interest returned as federal tax credit

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

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

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

Key Details

  • 20% of mortgage interest as federal tax credit
  • Available to first-time homebuyers in Guthrie
  • Income and purchase price limits apply
  • Credit claimed annually for life of loan
  • Increases home buying power and affordability

How to Apply

Get free help applying Visit Official Program Page Track this program

(405) 419-8100

A grant-savvy contractor in Guthrie, OK 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 program; subject to MCC allocation

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can Oklahoma Mortgage Credit Certificate (MCC) provide in Guthrie, OK?

20% federal tax credit on mortgage interest.

How do I apply for Oklahoma Mortgage Credit Certificate (MCC) in Guthrie, OK?

Apply directly with Oklahoma Housing Finance Agency (OHFA) using the official program link on this page or call (405) 419-8100. There is no middleman and no fee.

Need a Contractor for This Grant?

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