Texas Mortgage Credit Certificate (MCC) Program
Texas Dept. of Housing & Community Affairs (TDHCA)
About This Program
The Grant Map catalogs Texas Mortgage Credit Certificate (MCC) Program in its San Antonio, TX research directory. Directory placement does not confirm current service coverage or eligibility; verify both with the program administrator.
The Texas Mortgage Credit Certificate allows first-time homebuyers to convert 20% of their annual mortgage interest into a dollar-for-dollar federal tax credit (up to $2,000/year), reducing the federal tax owed annually for the life of the mortgage. The remaining 80% of mortgage interest is still deductible. The MCC stays with the homeowner as long as the home remains their primary residence.
20% of annual mortgage interest = annual tax credit (max $2,000/year for life of loan)
The cited general URL responded on 2026-07-21; it does not confirm this program or amount.
Record set last reviewed 2026-04-03. How we verify our data.
Other published resources for San Antonio, TX, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- NHSD Owner-Occupied Rehabilitation Program Up to $75,000 (deferred forgivable loan)
- Minor Home Repair Program Up to $25,000
- Under 1 Roof Program Full roof replacement (cost varies)
- Rehabarama Program Up to $25,000
Key Details
- First-time homebuyer or no primary residence ownership in prior 3 years
- 20% of annual mortgage interest converted to federal tax credit (max $2,000/year)
- Remaining 80% of interest still deductible as itemized deduction
- Applies for the life of the mortgage as long as home is primary residence
- Income and purchase price limits apply, apply through participating lenders
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in San Antonio.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Documents you will likely need
- Your federal tax return for the year of the work (this benefit is claimed on your taxes, not through a separate application).
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- The program's own application form, completed (use the official link or phone number on this page).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Open, apply at time of home purchase through participating lenders
Questions about this program?
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Frequently asked questions
What amount is listed for Texas Mortgage Credit Certificate (MCC) Program in San Antonio, TX?
The Grant Map record states: Up to $2,000 federal tax credit per year. Confirm the current amount and eligible costs with the administrator.
How do I apply for Texas Mortgage Credit Certificate (MCC) Program in San Antonio, TX?
Confirm the application route directly with Texas Dept. of Housing & Community Affairs (TDHCA); use the cited source on this page as a starting point or call 800-792-1119. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in San Antonio, TX
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
See All Programs