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Mortgage Credit Certificate (MCC) Program

Mortgage Credit Certificate (MCC) Program is a federal income tax credit certificate from Idaho Housing and Finance Association (IHFA). Available statewide in Idaho. Income limit: Varies by county and household size (HUD-based limits, typically lower than $170k DPA cap).

Amount varies by program
Listed as open as of May 26, 2026

Available statewide in Idaho.

Income limitVaries by county and household size (HUD-based limits, typically lower than $170k DPA cap)
Minimum credit score620
OccupationsOpen to all
Sales price capPurchase-price limits per county per IRS rules
Amount notesUp to 35% of annual mortgage interest as federal tax credit; capped at $2,000 per year
NotesReduces federal tax liability for life of loan as long as occupied.
Phone855-505-4700
Source Idaho Housing and Finance Association (IHFA)·official program page·Listed
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: Idaho Housing and Finance Association (IHFA) · program details at the provider’s site.

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