SC Housing Mortgage Credit Certificate (MCC)

SC State Housing Finance and Development Authority

Available Down Payment

About This Program

SC Housing Mortgage Credit Certificate (MCC) is available to homeowners in Mauldin, SC.

Federal tax credit for first-time homebuyers purchasing in South Carolina. Reduces federal income tax by up to 20% of annual mortgage interest paid. Credit is available every year for the life of the mortgage.

Annual tax credit of 20% of mortgage interest paid (approx. $2,000/year)

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

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

In Mauldin, SC, 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
  • Income limits apply (typically 115% AMI)
  • Credit available every year of mortgage
  • Must use participating lender

How to Apply

A grant-savvy contractor in Mauldin, SC 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).

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 federal 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 SC Housing Mortgage Credit Certificate (MCC) provide in Mauldin, SC?

Up to $2,000 annual tax credit.

Who qualifies for SC Housing Mortgage Credit Certificate (MCC) in Mauldin?

SC Housing Mortgage Credit Certificate (MCC) is open to homeowners in Mauldin, SC.

How do I apply for SC Housing Mortgage Credit Certificate (MCC) in Mauldin, SC?

Apply directly with SC State Housing Finance and Development Authority using the official program link on this page or call (803) 896-9001. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Find More Programs in Mauldin, SC

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

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