CalHFA Mortgage Credit Certificate (MCC)
CalHFA Mortgage Credit Certificate (MCC) is a federal tax credit from California Housing Finance Agency + County MCC issuers. Coverage: County-administered, issuance varies by county; no confirmed active-issuer list. Up to $2,000 or Up to 20% toward a home purchase. For first-time buyers. Income limit: County limit.
Up to $2,000 or Up to 20%
Limited funding as of August 9, 2026
Coverage: County-administered, issuance varies by county; no confirmed active-issuer list.
| First-time buyer | Required |
|---|---|
| Income limit | County limit |
| Minimum credit score | 620 |
| Maximum DTI | 50% |
| Property types | SFR, condo, PUD, manufactured |
| Occupancy | Owner-occupied primary |
| Repayment | deferred |
| Stacking | Stacks: gsfa-platinum, chenoa-edge, nhf; Cannot stack: calhfa-myhome, calplus-fha, calplus-conventional |
| Notes | Tax credit only, not cash assistance. MCC issuance is county-by-county; several county programs are suspended or exhausted as of Aug 2026. Verify current availability with the county issuer before quoting. Contact: 877-922-5432. |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: California Housing Finance Agency + County MCC issuers · program details at the provider’s site.
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