Oklahoma County HFA Mortgage Credit Certificate (MCC)
Oklahoma County HFA Mortgage Credit Certificate (MCC) is a federal income tax credit (mortgage credit certificate) from Oklahoma County Home Finance Authority (OCHFA). Serves Oklahoma. Income limit: $86,000 (1-2 person households); $98,900 (3+) - higher in IRS targeted areas.
Amount varies by program
Listed as open as of May 26, 2026
Serves Oklahoma.
| Income limit | $86,000 (1-2 person households); $98,900 (3+) - higher in IRS targeted areas |
|---|---|
| Sales price cap | $481,176 (higher in targeted areas) |
| Amount notes | 50% of annual mortgage interest as a tax credit, up to $2,000/year for life of loan |
| Notes | Tax credit good for life of loan. May be paired with Turnkey Plus DPA grant (more restrictive limits apply when combined). |
| Phone | 405-834-2100 |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: Oklahoma County Home Finance Authority (OCHFA) · program details at the provider’s site.
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Deferred 2nd 0% 25-yr · Up to $20,000
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Grant · Up to $15,000
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Deferred 2nd 0.5% 20-yr · Up to $18,000
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First mortgage + 3.5% DPA grant · Amount varies by program
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First mortgage + 3.5% DPA grant · Amount varies by program
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Discounted interest rate on Gold loan + 3.5% DPA · Amount varies by program
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Discounted rate on Gold + 3.5% DPA · Amount varies by program