California Housing Finance Agency
CalHFA Mortgage Credit Certificate (MCC) is available in San Bernardino, CA.
Federal income tax credit equal to 15%-50% of annual mortgage interest paid. Reduces federal tax liability dollar-for-dollar, increasing take-home pay. Available to first-time and repeat homebuyers in San Bernardino. Can be combined with other CalHFA programs.
Tax credit worth approximately 20% of mortgage interest annually
Data last verified 2026-05-25. How we verify our data.
In San Bernardino, CA, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in San Bernardino, CA 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: Ongoing program
Ask us. It is free, and a real person answers within a business day.
Email us about this programFederal tax credit worth up to $2,000/year.
Apply directly with California Housing Finance Agency using the official program link on this page or call (877) 922-5432. 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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