GSFA Mortgage Credit Certificate (MCC)
GSFA Mortgage Credit Certificate (MCC) is a federal income tax credit from Golden State Finance Authority (GSFA). Available statewide in California. For first-time buyers. Income limit: GSFA MCC county limits.
Amount varies by program
Listed as open as of May 26, 2026
Available statewide in California.
| First-time buyer | Required |
|---|---|
| Income limit | GSFA MCC county limits |
| Homebuyer education | Required |
| Sales price cap | GSFA MCC county limits |
| Amount notes | 20% of annual mortgage interest as dollar-for-dollar federal tax credit |
| Notes | County MCCs (LA, Santa Clara, Riverside) operate independently. |
| Phone | 855-740-8422 |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: Golden State Finance Authority (GSFA) · program details at the provider’s site.
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