Kentucky Mortgage Credit Certificate (MCC)

Kentucky Housing Corporation

Available Down Payment

About This Program

Kentucky Mortgage Credit Certificate (MCC) is available in Paducah, KY.

Federal tax credit equal to 20% of annual mortgage interest paid, up to $2,000 per year. The MCC reduces federal income tax liability, providing more income for monthly mortgage payments. Lasts for the life of the loan.

Tax credit worth 20% of annual mortgage interest, max $2,000/year

Official source site checked live on 2026-06-22.

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

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

Key Details

  • Tax credit worth 20% of mortgage interest
  • Up to $2,000 per year in tax savings
  • Lasts for the life of the loan
  • Can be combined with other KHC programs
  • Available through participating lenders

How to Apply

A grant-savvy contractor in Paducah, KY 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: Available through participating lenders

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 Kentucky Mortgage Credit Certificate (MCC) provide in Paducah, KY?

Tax credit up to $2,000/year.

How do I apply for Kentucky Mortgage Credit Certificate (MCC) in Paducah, KY?

Apply directly with Kentucky Housing Corporation using the official program link on this page or call (800) 633-8896. 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 Paducah, KY

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

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