NC Housing Finance Agency: Mortgage Credit Certificate (MCC)

Available to first-time buyers and veterans, MCC is a tax credit that reduces a homeowner’s federal tax liability by 30% of the mortgage interest they pay. Eligible homeowners purchasing new construction are eligible for a tax credit of up to 50% of the mortgage interest. The maximum MCC tax credit is $2,000 for every year that the buyer occupies the home.


Mortgage Credit Certificate Program: 

Mortgage Credit Certificate Program Guide:

Income limits:

Participating lenders:


Tags: Homeownership; Mortgages