Ohio · Annual tax credit

OHFA Mortgage Tax Credit

Up to $2,000/year tax credit, every year

Tax credit of up to 40% of annual mortgage interest paid, up to $2,000 per year for the life of the loan.

Ohio's Mortgage Credit Certificate provides an annual federal tax credit that stacks with OHFA's DPA programs. The credit continues for the life of the mortgage, providing ongoing benefits well beyond the initial purchase.

Ohio's three major metros — Columbus, Cincinnati, and Cleveland — each offer different housing dynamics, but OHFA's MCC works statewide, benefiting buyers in booming Columbus suburbs and revitalizing Cleveland neighborhoods alike.

AmountUp to $2,000/year tax credit, every year

TypeAnnual tax credit

Available inOhio

First-time buyer requiredYes

Minimum credit score640

Multi-unit eligibleSingle-family only