Arkansas Mortgage Credit Certificate (MCC)

Arkansas Development Finance Authority

Available Down Payment

About This Program

Arkansas Mortgage Credit Certificate (MCC) is available to homeowners in Helena, AR.

Federal tax credit equal to 20% of annual mortgage interest paid, up to $2,000 per year. Available to first-time homebuyers using ADFA mortgage loans. Credit is claimed annually for the life of the loan.

20% of mortgage interest claimed as annual federal tax credit

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

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

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

Key Details

  • 20% of mortgage interest as federal tax credit
  • Up to $2,000 annually
  • For first-time homebuyers
  • Must use ADFA mortgage loan
  • Credit available for life of loan

How to Apply

Get free help applying Visit Official Program Page Track this program

(501) 682-5900

A grant-savvy contractor in Helena, AR 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: Available with ADFA mortgage loans

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 Arkansas Mortgage Credit Certificate (MCC) provide in Helena, AR?

Up to $2,000 annual federal tax credit.

Who qualifies for Arkansas Mortgage Credit Certificate (MCC) in Helena?

Arkansas Mortgage Credit Certificate (MCC) is open to homeowners in Helena, AR.

How do I apply for Arkansas Mortgage Credit Certificate (MCC) in Helena, AR?

Apply directly with Arkansas Development Finance Authority using the official program link on this page or call (501) 682-5900. There is no middleman and no fee.

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

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