Indiana Mortgage Credit Certificate (MCC)

Indiana Housing & Community Development Authority

Available Down Payment

About This Program

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

Federal income tax credit for first-time homebuyers in Indiana. MCC converts a portion of mortgage interest into a dollar-for-dollar tax credit, reducing federal taxes owed. Can be claimed annually for the life of the mortgage.

Tax credit equals 20% of annual mortgage interest paid, up to $2,000 per year

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

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

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

Key Details

  • Annual federal tax credit up to $2,000
  • For first-time homebuyers in Indiana
  • Converts 20% of mortgage interest to tax credit
  • Can be claimed every year you own the home
  • Income and purchase price limits apply

How to Apply

Get free help applying Visit Official Program Page Track this program

(317) 232-7777

A grant-savvy contractor in Huntington, 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 program 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 Huntington, IN?

Annual federal tax credit up to $2,000.

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

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