Texas · Annual tax credit

Texas Mortgage Credit Certificate

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

Federal tax credit of up to $2,000 per year for the life of your mortgage. Stackable with DPA programs.

Texas Mortgage Credit Certificates provide up to $2,000 annually in federal tax credits on mortgage interest paid. The credit is available to first-time buyers purchasing below program price limits and continues for the life of the loan.

The MCC can be combined with TSAHC or TDHCA DPA programs for a comprehensive benefits stack. Over 10 years, the MCC alone provides up to $20,000 in tax savings — significant real money that compounds the value of Texas's already-generous DPA offerings.

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

TypeAnnual tax credit

Available inTexas

First-time buyer requiredYes

Minimum credit score620

Multi-unit eligibleSingle-family only

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

TDHCA My First Texas Home Up to 5% of loan amount

Texas · DPA + below-market rate

TDHCA My Choice Texas Home Up to 5% of loan amount — repeat buyers welcome

Texas · DPA program

TSAHC Home Sweet Texas 3-5% grant — free money, no repayment ever

Texas · Grant

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