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Saturday, 28 September 2013 09:49

Understand MCC Program

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What is a Mortgage Credit Certificate?

 
The Mortgage Credit Certificate Program was authorized by Congress in the 1984 Tax Reform 
 
Act as a means of providing housing assistance to families of low and moderate income. The 
 
Hawaii Housing Finance and Development Corporation (HHFDC) is an Issuer of Mortgage 
 
Credit Certificates.
 
  •        The Mortgage Credit Certificate (MCC) reduces the amount of federal income tax you pay, 
 
thus giving you more available income to qualify for a mortgage loan and assist you with 
 
house payments.
 
  •      The MCC is available to homebuyers who meet household income and home purchase price 
 
limits established for the MCC Program, as well as other federal eligibility regulations.
 

How will a Mortgage Credit Certificate assist my home purchase?

 
The federal government allows each homeowner to claim an itemized federal income tax 
 
deduction for the amount of interest paid each year on a mortgage loan. 
 

For a homeowner with a MCC, this benefit is even better: 

 
• 20% of your annual mortgage interest will be a direct federal tax credit, resulting in a 
 
dollar-for-dollar reduction of your annual federal income tax liability. 
 
• The remaining 80% of your annual mortgage interest will continue to qualify as an 
 
itemized tax deduction.
 
 
 
The amount of your mortgage credit depends on the amount of interest you pay on your 
 
mortgage loan. However, the amount of your mortgage credit cannot exceed the amount of 
 
your annual federal income tax liability. Unused mortgage credit can be carried forward for
 
three years to offset future income tax liability.
 
(information from HHFDC)
Read 2661 times Last modified on Saturday, 28 September 2013 10:26
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