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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