Indiana Housing and Community Development Authority (IHCDA)
IHCDA Mortgage Credit Certificate (MCC) is available to homeowners and renters in Indianapolis, IN.
Federal tax credit equal to 25% of annual mortgage interest paid, reducing federal taxes owed (not just a deduction). First-time buyers or targeted census tracts. Stackable with First Step and Next Home. Income and purchase price limits apply.
First-time buyer, stacks with DPA programs
Official program page checked live on 2026-06-22.
Data last verified 2026-04-01. How we verify our data.
In Indianapolis, IN, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Indianapolis, IN 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: Claim at purchase, applies every tax year
Ask us. It is free, and a real person answers within a business day.
Email us about this program25% of annual mortgage interest.
IHCDA Mortgage Credit Certificate (MCC) is open to homeowners and renters in Indianapolis, IN.
Apply directly with Indiana Housing and Community Development Authority (IHCDA) using the official program link on this page or call 317-232-0211. 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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