Texas community resource
Texas Mortgage Credit Certificate
Texas Department of Housing and Community Affairs
Mortgage tax-credit assistance that can improve affordability for eligible East Texas homebuyers.
Information last checked:
How to get help
Contact a participating lender before closing to confirm eligibility and apply for the certificate; consult a tax professional about individual tax effects.
Who this service helps
Eligible first-time homebuyers or qualified veterans who meet current income, purchase-price, residence, tax, and program requirements; lender and product rules apply when paired with a mortgage.
Where this service is available
Service area: Statewide Texas program, including eligible properties in Anderson, Cherokee, Gregg, Harrison, Henderson, Rusk, Smith, and Upshur counties.
A service area describes where help is offered or who may be served. It is not necessarily the organization’s physical location.
Cost / fees
The certificate may provide a dollar-for-dollar reduction of federal income-tax liability, subject to applicable limits. Fees and benefit vary, and tax credit supplies are limited.
About this service
Provides eligible first-time homebuyers and qualified veterans a federal income-tax credit based on mortgage interest, either with a qualifying program first mortgage or as a standalone certificate.
Other resources that may help
Before you contact this provider
CVF Community Connect provides resource information for public convenience. Availability, eligibility, services, hours, and other details may change. CVF Community Connect does not guarantee eligibility, availability, acceptance, or services provided by listed organizations.
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