Texas State Affordable Housing Corporation
Texas Mortgage Credit Certificate (MCC) is available to homeowners in Waco, TX.
Mortgage Credit Certificate allows first-time homebuyers in Texas to claim a federal tax credit equal to 30% of annual mortgage interest paid, up to $2,000 per year. Can be combined with Texas first-time homebuyer loan programs.
Annual federal tax credit value for median mortgage interest
Data last verified 2026-05-25. How we verify our data.
In Waco, TX, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Waco, TX 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 through participating lenders
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $2,000/year tax credit.
Texas Mortgage Credit Certificate (MCC) is open to homeowners in Waco, TX.
Apply directly with Texas State Affordable Housing Corporation using the official program link on this page or call (512) 477-3555. 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.
See All Programs