Home Site Search Media Releases Contact Us
Missouri Housing Development Commission  



About MHDC
Rental Production
Asset Management
Lender Resources
R.E. Professionals
Community Initiatives
Section 3
COVID Assistance




Homeownership Mortgage Credit Certificate (MCC)




Homeownership & Home Repair

Helpful Links

bullet Prequalify Online
bullet Download a Brochure
bullet Locate a Lender
bullet Contact Us

Top Performing Lenders


MCC's provide income eligible first-time home buyers* an opportunity to reduce the amount of federal income tax owed each year they own and live in their homes. The MCC program gives qualified borrowers a non-refundable federal tax credit of 25 percent of the total amount of mortgage interest they pay each year.  This tax credit allows prospective buyers to obtain mortgage financing in a competitive market.


To apply, please contact a certified lender or start the process now online.

Current Program Offering


bulletMCC Stand Alone
Provides a federal tax credit to first-time homebuyers* for the mortgage interest they pay on their loan each year. The mortgage will come from a certified lender at prevailing market rates.
> More info, Q&A


Homebuyer Tools


Loan Calculator






Return to Homeownership Page



* First-time homebuyers are defined as those persons who have not owned a home or had an ownership interest in a primary residence for the past three years.




|- Privacy Statement -|- Content Disclaimer -|- Missouri Housing Development Commission -|