Arkansas Mortgage Credit Certificate (MCC)

Arkansas Development Finance Authority

Available Down Payment

About This Program

Arkansas Mortgage Credit Certificate (MCC) is available in Malvern, AR.

Federal tax credit converting up to 50% of annual mortgage interest into a direct tax credit for first-time and repeat homebuyers purchasing in targeted areas. Credit can be claimed annually for the life of the loan, providing substantial tax savings.

Annual tax credit equals up to 50% of mortgage interest paid; estimate shows first-year value

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

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

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

Key Details

  • Tax credit worth up to 50% of annual mortgage interest
  • Available for first-time buyers statewide
  • Repeat buyers in targeted areas also qualify
  • Claimed annually on federal tax return
  • Income and purchase price limits apply

How to Apply

Get free help applying Visit Official Program Page Track this program

(501) 682-5900

A grant-savvy contractor in Malvern, 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: Ongoing program

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

Up to 50% annual tax credit.

How do I apply for Arkansas Mortgage Credit Certificate (MCC) in Malvern, 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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