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Mortgage Credit Certificate Program Fact Sheet

  • The Mortgage Credit Certificate (MCC) Program enables first-time homebuyers to receive a federal income tax credit of 15% of the annual mortgage interest paid.
  • MCC’s reduce federal income tax, increase take-home pay, and increase the qualifying loan amount for homebuyers.
  • Program assistance is available only to income-eligible persons and families who have not owned a home in the last three years.
  • The property must be a single-family detached home, condominium, or townhouse located within the County of Orange.
  • Participants must occupy the home.

Family Size

Maximum Gross
Annual Income

Income Limits:

1 or 2 persons

$ 81,205

3 + persons

$ 93,386

Type of Property

Maximum

Purchase Price

Purchase Price Limits:

Resale

$ 360,585

New

$ 503,367

The MCC Program is administered by Affordable Housing Applications (AHA) for the County of Orange. For more information contact AHA at (800) 591-3111.

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