-
Alabama
Closed — reissue only Closed: October 31, 2025 AHFA
AHFA sunset its MCC program: no new commitments after October 31, 2025, and certificates had to be issued by December 31, 2025. It says it hopes to relaunch when bond cap allows.
Source: AHFA lender notices — MCC Program Announcement, Sept. 22, 2025 · Checked Oct 22, 2026 · Alabama programs and rates
-
Alaska
No state program AHFC
Alaska Housing's list of loan programs includes no MCC.
Source: AHFC — list of all loans · Checked Oct 22, 2026 · Alaska programs and rates
-
Arizona
No state program Arizona Industrial Development Authority
The state's HOME Plus program doesn't issue MCCs itself; a Tucson nonprofit issues them statewide.
Local issuers - Community Investment Corporation (CIC Tucson) (Statewide) · issuing.
Issues all MCCs in Arizona for first-time buyers and veterans; funds are limited. Can be combined with HOME Plus, not with Arizona Is Home. homeplusaz.com
Source: HOME Plus (Arizona IDA) — Mortgage Credit Certificates · Checked Oct 22, 2026 · Arizona programs and rates
-
Arkansas
Closed — reissue only Closed: December 31, 2024 ADFA
ADFA's 2022 MCC program allowed certificates to be issued no later than December 31, 2024, and its current homeownership programs don't include an MCC.
Sources: ADFA — Public Notice, 2022 Mortgage Credit Certificate Program; ADFA — homeownership programs · Checked Oct 22, 2026 · Arkansas programs and rates
-
California
Closed — reissue only Closed: by April 2019 CalHFA
CalHFA's MCC program no longer takes new registrations; it only reissues existing certificates. Cities, counties and joint powers authorities issue their own with state bond allocations.
Local issuers - City of Los Angeles Housing Department (LAHD) (City of Los Angeles) — 20% · issuing.
First-time buyers get a federal tax credit of 20% of the mortgage interest each year, through LAHD participating lenders. housing.lacity.gov
- Golden State Finance Authority (GSFA) (Statewide joint powers authority) — 20% · out of funds.
All program funds are allocated and GSFA is not accepting new applications until new funds come from the California Debt Limit Allocation Committee. gsfahome.org
Source: CalHFA Program Bulletin #2019-10 (April 24, 2019) (archived copy, Jun 7, 2025) · Checked Oct 22, 2026 · California programs and rates
-
Colorado
Closed — reissue only Closed: 2018 CHFA
CHFA has not issued MCCs since 2018; it reissues existing certificates when owners refinance.
Source: CHFA — Current MCC holders (archived copy, Mar 14, 2026) · Checked Oct 22, 2026 · Colorado programs and rates
-
Connecticut
No state program CHFA
CHFA's list of homebuyer mortgage programs includes no MCC.
Source: CHFA — homebuyer programs · Checked Oct 22, 2026 · Connecticut programs and rates
-
Delaware
Unconfirmed — check with the agency DSHA (Housing Delaware) — Delaware First-Time Homebuyer Tax Credit
DSHA's 2024 lender package describes a 35% Delaware First-Time Homebuyer Tax Credit (an MCC), but its current homeownership-loans page lists no tax credit and we found no closure notice.
Sources: DSHA — homeownership loans; DSHA — Delaware First-Time Homebuyer Tax Credit lender package (2024) · Checked Oct 22, 2026 · Delaware programs and rates
-
District of Columbia
Closed — reissue only Closed: September 27, 2022 DCHFA
DCHFA stopped taking new MCC reservations on September 27, 2022, when its MCC funds ran out; its MCC page still says the program is closed.
Sources: DCHFA Program Notification 2022-04 — Exhaustion of MCC Funds; DCHFA — Mortgage Credit Certificate · Checked Oct 22, 2026 · District of Columbia programs and rates
-
Florida
Closed — reissue only Closed: December 31, 2020 Florida Housing
Florida Housing hasn't issued MCCs since December 31, 2020; some county housing finance authorities run their own programs.
Local issuers - Escambia County Housing Finance Authority (21 counties: Alachua, Bay, Bradford, Escambia, Franklin, Gadsden, Gulf, Hernando, Indian River, Jackson, Jefferson, Leon, Madison, Marion, Martin, Okaloosa, St. Lucie, Santa Rosa, Taylor, Wakulla, Walton) — 20% · issuing.
2026–2028 program: a 20% credit with no annual cap (the $2,000 limit applies only above 20%). ehousingplus.com
- Housing Finance Authority of Broward County (Broward County) · issuing.
Runs a Mortgage Credit Certificate program for low- and moderate-income buyers: a federal tax credit of up to $2,000 a year. broward.org
Source: Florida Housing — Mortgage Credit Certificate FAQs · Checked Oct 22, 2026 · Florida programs and rates
-
Georgia
No state program Georgia DCA
The Georgia Dream programs (Georgia Dream, Peach Plus, Peach Select Veterans) include no MCC.
Source: Georgia DCA — Georgia Dream (archived copy, Oct 13, 2024) · Checked Oct 22, 2026 · Georgia programs and rates
-
Hawaii
Closed — reissue only Closed: December 31, 2024 HHFDC
HHFDC's MCC funds were fully allocated by December 31, 2024 and it no longer accepts new applications; reissuance continues for owners who refinance through a participating lender.
Sources: HHFDC — Mortgage Credit Certificate (MCC); HHFDC FY 2025 Annual Report · Checked Oct 22, 2026 · Hawaii programs and rates
-
Idaho
Suspended Suspended: date not published Idaho Housing and Finance Association — Homebuyer Tax Credit
Idaho Housing's lender FAQ lists the MCC/Tax Credit as “currently suspended.”
Source: Idaho Housing — lender and realtor FAQ · Checked Oct 22, 2026 · Idaho programs and rates
-
Illinois
Closed — reissue only Closed: no active program (FY2022 report) IHDA
IHDA reports no active MCC program; it still reissues existing certificates when owners refinance, for $150.
Sources: IHDA — FY2022 Governor's Report; IHDA — FAQs (MCC reissue) · Checked Oct 22, 2026 · Illinois programs and rates
-
Indiana
Unconfirmed — check with the agency IHCDA
IHCDA's homeowner pages list only an MCC re-issuance affidavit for existing holders, and its February 2026 homeownership program guide doesn't include an MCC.
Sources: IHCDA — homeowners and renters (archived copy, Aug 21, 2026); IHCDA — Homeownership Program Guide (02/2026) (archived copy, Apr 11, 2026) · Checked Oct 22, 2026 · Indiana programs and rates
-
Iowa
Closed — reissue only Closed: date not published Iowa Finance Authority
IFA says there is currently no funding for new MCCs (its program was a 50% credit, up to $2,000); existing certificates can be reissued on a refinance.
Source: Iowa Economic Development & Finance Authority — Mortgage Credit Certificate Program · Checked Oct 22, 2026 · Iowa programs and rates
-
Kansas
No state program KHRC
Kansas Housing's first-time buyer program is down-payment assistance; no MCC is offered.
Source: KHRC — first-time homebuyer journey · Checked Oct 22, 2026 · Kansas programs and rates
-
Kentucky
Issuing MCCs 25% of interest KHC — Homebuyer Tax Credit
Kentucky Housing's Homebuyer Tax Credit is 25% of mortgage interest, up to $2,000 a year. It can't be combined with KHC's bond (MRB) loans.
Sources: KHC — Lender's Home Buyer Tax Credit quick reference card (2026); KHC — Secondary Market Programs (2026) · Checked Oct 22, 2026 · Kentucky programs and rates
-
Louisiana
Unconfirmed — check with the agency LHC
LHC's MCC page has been taken down and its current homebuyer programs (the HomeStart family) don't list an MCC; we found no closure notice.
Source: LHC — homebuyers · Checked Oct 22, 2026 · Louisiana programs and rates
-
Maine
No state program MaineHousing
MaineHousing's homebuyer programs include no MCC.
Source: MaineHousing — homebuyer programs · Checked Oct 22, 2026 · Maine programs and rates
-
Maryland
Closed — reissue only Closed: June 19, 2020 Maryland DHCD — Maryland HomeCredit
The Maryland HomeCredit Program (a 25% MCC) closed to new reservations on June 19, 2020 under Directive 2020-11. Existing certificates can be reissued for a refinance.
Sources: Maryland Mortgage Program — HomeCredit fact sheet; Maryland Mortgage Program — HomeCredit lender information · Checked Oct 22, 2026 · Maryland programs and rates
-
Massachusetts
No state program MassHousing
MassHousing's homebuying programs include no MCC.
Source: MassHousing — homebuying programs · Checked Oct 22, 2026 · Massachusetts programs and rates
-
Michigan
Issuing MCCs 20% of interest MSHDA
MSHDA issues a 20% credit to first-time buyers statewide and repeat buyers in targeted areas, applied for through an approved MCC lender before you buy. Maximum sales price: $544,233 statewide.
Source: MSHDA — Mortgage Credit Certificate Program · Checked Oct 22, 2026 · Michigan programs and rates
-
Minnesota
Closed — reissue only Closed: December 31, 2017 Minnesota Housing
Minnesota Housing ended its MCC program on December 31, 2017; current holders can still have a certificate reissued after a refinance.
Sources: Minnesota Housing — Buy a home & refinance; Minnesota Housing — MCC FAQ · Checked Oct 22, 2026 · Minnesota programs and rates
-
Mississippi
Suspended Suspended: November 15, 2025 Mississippi Home Corporation
MHC suspended its MCC program until further notice: the last reservations were taken November 15, 2025 and loans had to close by December 31, 2025. It would consider reinstating it with more bond cap.
Source: MHC — MCC Program Suspended Until Further Notice · Checked Oct 22, 2026 · Mississippi programs and rates
-
Missouri
Issuing MCCs 25%–45% of interest MHDC
MHDC issues MCCs through certified lenders at 25% stand-alone, 35% with its Next Step loan and down-payment assistance, or 45% with Next Step and no assistance — up to $2,000 a year.
- Stand-alone MCC: 25%
- With Next Step + down payment assistance: 35%
- With Next Step, no assistance: 45%
Source: MHDC — Mortgage Credit Certificate: learn more (Nov. 18, 2025) · Checked Oct 22, 2026 · Missouri programs and rates
-
Montana
Issuing MCCs 20% of interest Montana Board of Housing
A 20% credit, not to exceed $2,000, available with any loan statewide except another MBOH program loan; apply through a participating lender after signing the purchase contract and before closing. Fee: $750.
Source: Montana Department of Commerce — Mortgage Credit Certificate Program · Checked Oct 22, 2026 · Montana programs and rates
-
Nebraska
No state program NIFA
NIFA's homebuyer programs include no MCC.
Source: NIFA — homebuyer programs and eligibility · Checked Oct 22, 2026 · Nebraska programs and rates
-
Nevada
Unconfirmed — check with the agency Nevada Housing Division
Home Is Possible's site no longer describes an MCC: its former MCC limits page now covers first-time buyer limits for the down-payment program, and we found no closure notice.
Sources: Nevada Housing Division — Home Is Possible; Nevada Housing Division — first-time homebuyer income and price limits · Checked Oct 22, 2026 · Nevada programs and rates
-
New Hampshire
Closed — reissue only Closed: December 13, 2024 New Hampshire Housing
NH Housing's Homebuyer Tax Credit (MCC) program ended effective December 13, 2024.
Source: NH Housing lender notice — MCC Program End Effective 12/13/24 · Checked Oct 22, 2026 · New Hampshire programs and rates
-
New Jersey
No state program NJHMFA
NJHMFA's homebuyer programs are mortgage and down-payment assistance programs; none is an MCC.
Source: NJHMFA · Checked Oct 22, 2026 · New Jersey programs and rates
-
New Mexico
No state program Housing New Mexico (MFA)
Housing New Mexico's mortgage programs include no MCC.
Source: Housing New Mexico — mortgage programs · Checked Oct 22, 2026 · New Mexico programs and rates
-
New York
No state program SONYMA
SONYMA's homebuyer programs (Achieving the Dream, Low Interest Rate, down payment assistance loans) include no MCC.
Source: NYS HCR — SONYMA · Checked Oct 22, 2026 · New York programs and rates
-
North Carolina
Closed — reissue only Closed: about March 2025 NCHFA — NC Home Advantage Tax Credit
NCHFA announced it would end the NC Home Advantage Tax Credit around March 2025, when its remaining funds ran out; the program page has since been taken down.
Source: NCHFA — NC Home Advantage Tax Credit (termination notice) (archived copy, Feb 15, 2025) · Checked Oct 22, 2026 · North Carolina programs and rates
-
North Dakota
No state program NDHFA
North Dakota Housing's homeownership programs include no MCC.
Source: ND Housing — homeownership · Checked Oct 22, 2026 · North Dakota programs and rates
-
Ohio
Issuing MCCs 15%–40% of interest OHFA — Mortgage Tax Credit
OHFA's Mortgage Tax Credit is 40% of mortgage interest (up to $2,000) with an OHFA loan, or 20% in a target area and 15% elsewhere with another lender's loan.
- MTC Plus (with an OHFA loan): 40%
- MTC Basic — target area: 20%
- MTC Basic — other areas: 15%
Source: OHFA — Mortgage Tax Credit (archived copy, Aug 13, 2026) · Checked Oct 22, 2026 · Ohio programs and rates
-
Oklahoma
No state program OHFA
Oklahoma Housing's homebuyer program is down-payment assistance with its first mortgage; no MCC is offered.
Source: OHFA — Highway to Homeownership · Checked Oct 22, 2026 · Oklahoma programs and rates
-
Oregon
No state program OHCS
Oregon Housing's homebuyer lending programs (FirstHome, NextStep, Flex Lending) include no MCC.
Source: OHCS — homebuyers · Checked Oct 22, 2026 · Oregon programs and rates
-
Pennsylvania
Unconfirmed — check with the agency PHFA
PHFA has offered an MCC with its first mortgages, but its website couldn't be reached on October 22, 2026 to confirm whether it issues them now. Ask PHFA or a participating lender.
Source: PHFA · Checked Oct 22, 2026 · Pennsylvania programs and rates
-
Rhode Island
Unconfirmed — check with the agency RIHousing — FirstHomes Tax Credit
RIHousing's current homebuyer programs page lists no tax credit, and we found no notice ending its FirstHomes Tax Credit (an MCC).
Source: RIHousing — first-time homebuyers · Checked Oct 22, 2026 · Rhode Island programs and rates
-
South Carolina
Unconfirmed — check with the agency SC Housing — SC Mortgage Tax Credit
SC Housing listed its Mortgage Tax Credit (MCC) next to its bond program as of August 2025, but its website couldn't be reached on October 22, 2026 to confirm the current status.
Source: SC Housing — homebuyer income and price limits (archived copy, Aug 7, 2025) · Checked Oct 22, 2026 · South Carolina programs and rates
-
South Dakota
Issuing MCCs 30%–50% of interest SD Housing — SD Housing Tax Credit
The SD Housing Tax Credit is 50%, 40% or 30% of mortgage interest depending on the loan size (the tiers in effect since April 28, 2023), up to $2,000 a year, for buyers who haven’t owned a home in three years. Fee: $750, or $250 with SD Housing’s First-Time Homebuyer Program.
- Loan of $150,000 or less: 50%
- Loan of $150,001–$250,000: 40%
- Loan over $250,000: 30%
Sources: SD Housing — Tax Credit (MCC); SD Housing — Tax Credit brochure · Checked Oct 22, 2026 · South Dakota programs and rates
-
Tennessee
No state program THDA
THDA's homebuyer programs (Great Choice and its down payment assistance) include no MCC.
Source: THDA — homebuyers · Checked Oct 22, 2026 · Tennessee programs and rates
-
Texas
Issuing MCCs 15% of interest TDHCA and TSAHC
Both state issuers set a 15% credit. TDHCA's comes stand-alone or combined with My First Texas Home (the combo's issuance fee is waived for military buyers); TSAHC's stand-alone MCC is discontinued, so it comes only with TSAHC's down payment assistance.
- TDHCA Texas Mortgage Credit Certificate: 15%
- TSAHC MCC (with its down payment assistance only): 15%
Sources: TDHCA — rate notice, Oct. 21, 2026; TDHCA — Texas Mortgage Credit Certificate Program; TSAHC — Mortgage Credit Certificates (archived copy, Sep 5, 2026) · Checked Oct 22, 2026 · Texas programs and rates
-
Utah
No state program Utah Housing Corporation
Utah Housing's loan programs include no MCC.
Source: Utah Housing — programs (archived copy, Apr 14, 2025) · Checked Oct 22, 2026 · Utah programs and rates
-
Vermont
Issuing MCCs 50% of interest VHFA
VHFA issues MCCs at up to 50% of mortgage interest (the certificate states your rate), capped at $2,000 a year, alone or with its MOVE loan; it posted its 2026 MCC program notice in August 2026.
Sources: VHFA — 2026 Mortgage Credit Certificate public notice; VHFA Program and Procedural Guide (rev. 2026-07) · Checked Oct 22, 2026 · Vermont programs and rates
-
Virginia
Suspended Suspended: May 1, 2023 Virginia Housing
Virginia Housing's MCC program has been suspended since May 1, 2023.
Source: Virginia Housing — Mortgage Credit Certificates · Checked Oct 22, 2026 · Virginia programs and rates
-
Washington
Unconfirmed — check with the agency WSHFC
The Commission's MCC pages now cover only reissuance for existing holders; we found no current program for new buyers and no closure notice.
Source: Washington State Housing Finance Commission — MCC reissuance · Checked Oct 22, 2026 · Washington programs and rates
-
West Virginia
Closed — reissue only Closed: not active (date not published) WVHDF
WVHDF is the state's authorized MCC issuer, but its bond disclosures say the program is not active and its current homeownership programs include none.
Sources: WVHDF — 2019 Series B official statement; WVHDF — homeownership program · Checked Oct 22, 2026 · West Virginia programs and rates
-
Wisconsin
Issuing MCCs 25%–40% of interest WHEDA — Tax Advantage
WHEDA's Tax Advantage MCC is 25% statewide and 40% for qualified veterans or homes in target areas, up to $2,000 a year. Borrowers using WHEDA's FTHB/VALOR preferred pricing can't also get an MCC.
- Statewide: 25%
- Qualified veterans: 40%
- HUD-designated target area: 40%
Source: WHEDA — Advantage Conventional Underwriting Guide §7.12 (updated 03/11/2026) (archived copy, Oct 7, 2026) · Checked Oct 22, 2026 · Wisconsin programs and rates
-
Wyoming
Issuing MCCs WCDA
WCDA lists its MCC program for first-time buyers alongside its loan products. Its rate tiers are in a lender quick reference we couldn't open, so ask a participating lender for the current rate.
Source: WCDA — homebuyers (archived copy, Aug 13, 2026) · Checked Oct 22, 2026 · Wyoming programs and rates