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You are here: Home / Local Programs / Mortgage Credit Certificate (MCC)

Income Tax Credits – Nevada Home Buying

The Mortgage Credit Certificate (MCC) Program provides federal income tax credits for the duration of your home ownership. Realize up to a 30% credit on your income taxes each year you own the home purchased with this program offered through the State of Nevada.

Benefits – Mortgage Credit Certificate (MCC)

  • Get a rebate up to $2,000 annually with a Federal Income Tax credit of up to 30% of the interest you have paid on your mortgage loan. Your tax credit will vary per year based on the amount of interest paid.
  • Claim a standard tax deduction on any remaining interest.
  • Combine your Mortgage Credit Certificate (MCC) with the Home is Possible Down Payment Assistance Program and receive a $400 discount.
  • MCC Program has a flat fee of $795 along with a lender application fee of $300.
  • Veteran’s can waive the MCC fee with an exception of paying the lender application fee.

Requirements – Mortgage Credit Certificate (MCC)

  • You are a first-time home buyer or have not owned a home within the past 3 years.
  • You are a qualified veteran and will occupy the home as your primary residence.
  • Your household meets the maximum income and home purchase amount for the area of the home you desire to buy within Nevada.
  • Your household meets the underwriter requirements for Conventional, USDA RD (United Stated Department of Agriculture – Rural Development), FHA (Federal Housing Administration) or VA (Veterans Administration) loans.

Get Started! Complete the form below to see if you qualify for this program.


Additional State of Nevada Home Buyer Resources

Income Tax Credits
Military Programs
First Time Buyer Programs
Veterans Programs
Teacher Programs
Rural Programs

  • Find Out What Programs You Might Qualify For:

  • Your Credit and Income

  • Other Details

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