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Section 3




Homeownership >  Mortgage Credit Certificate (MCC) > MCC Stand Alone




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bulletMCC Program Criteria / Requirements


All mortgage loan types (with the exception of balloon loans) are eligible. The mortgage loan, available through a network of certified lenders, must be underwritten according to FHA, VA, USDA/RHS or conventional loan criteria and will be at prevailing market rates. New and existing single family homes, townhouses, condominiums and manufactured housing (with certain restrictions) are eligible properties. Purchase price and income limits, adjusted by household size apply. The homebuyer must also occupy the property as their principal residence.



Purchase Price Limits

Type of Home

Non-Target Area

Target Area*

Single family home




Note:  These limits are subject to change in accordance with regulations.


*Target Area:  click here



Income Limits


Income Limits

MCC Program

click here

Additional Income Guideline Information

The total gross annual household income for all borrowers and spouses living in the home, must be within the limits established for household income.

Total gross annual household income is calculated using all sources of income including, but not limited to, wages, overtime, bonuses, child support, alimony, commissions and earnings from a second job, business and investments.





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