Texas Mortgage Credit Certificate (MCC) Program

Texas Dept. of Housing & Community Affairs (TDHCA)

Available Home Repair

About This Program

Texas Mortgage Credit Certificate (MCC) Program is available in San Antonio, TX.

The Texas Mortgage Credit Certificate allows first-time homebuyers to convert 20% of their annual mortgage interest into a dollar-for-dollar federal tax credit (up to $2,000/year), reducing the federal tax owed annually for the life of the mortgage. The remaining 80% of mortgage interest is still deductible. The MCC stays with the homeowner as long as the home remains their primary residence.

20% of annual mortgage interest = annual tax credit (max $2,000/year for life of loan)

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

Data last verified 2026-04-03. How we verify our data.

In San Antonio, TX, you can combine this program with other local help to cut your cost:

Key Details

  • First-time homebuyer or no primary residence ownership in prior 3 years
  • 20% of annual mortgage interest converted to federal tax credit (max $2,000/year)
  • Remaining 80% of interest still deductible as itemized deduction
  • Applies for the life of the mortgage as long as home is primary residence
  • Income and purchase price limits apply, apply through participating lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

800-792-1119

A grant-savvy contractor in San Antonio, TX can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in San Antonio early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

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).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • 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: Open, apply at time of home purchase through participating lenders

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 Texas Mortgage Credit Certificate (MCC) Program provide in San Antonio, TX?

Up to $2,000 federal tax credit per year.

How do I apply for Texas Mortgage Credit Certificate (MCC) Program in San Antonio, TX?

Apply directly with Texas Dept. of Housing & Community Affairs (TDHCA) using the official program link on this page or call 800-792-1119. There is no middleman and no fee.

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Find More Programs in San Antonio, TX

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

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