Community Development Agency
Housing & Community Development Department
Michelle Starratt
Housing Director
- Tenant and Property Owner Resources
- COVID-19 Resources
- MEASURE A-1 HOUSING BOND
COMMUNITY DEVELOPMENT
- HIV/AIDS HOUSING
- HOMELESSNESS
- HOMEOWNERSHIP
- RENTAL HOUSING
- HMIS USERS
- Fair Housing
- Mobile Home Park Ordinance
- Rent Mediation Services
- HUD Income and Rent Limits
- REPORTING FORMS
- DOCUMENTS & REPORTS
- Affordable Housing in Alameda County
Mortgage Credit Certificate Program
- Home
- MCC Description
- Income/Purchase Price Limits
- IRS Requirements
- FAQ's
- MCC - Lenders Only
- Refinance - Lenders Only
Attention:
CDLAC has announced there is currently no funding available for Single-Family First-Time Homebuyer Programs. As a result, Alameda County is not able to receive and process any new MCC applications. We maintain the ability to process RMCC applications.
Updated February 2023
Alameda County Housing and Community Development Department (HCD) runs the Mortgage Credit Certificate (MCC) Program throughout the County. An MCC provides the income eligible first-time home buyer with an opportunity to reduce the amount of federal income tax they owe each year they own and live in their home. The MCC assists a family in qualifying for a higher first mortgage, with no effect on monthly expenses.
HCD also issues Refinanced Mortgage Credit Certificates (RMCC) when the homeowner refinances their original MCC Loan. RMCC's must be issued for each refinance in order for the homeowner to continue receiving the federal tax credit.
If you are a first time homebuyer interested in applying for a Mortgage Credit Certificate or you are refinancing your loan which has a MCC Certificate, please contact one of the pre-approved Participating Lenders from the list below. They must submit the application on your behalf.
The following documents are provided in Portable Document Format (PDF) and require the free Adobe Reader.
- Current Participating Lender List (PDF - 532kB)
- MCC Brochure (PDF - 1.6mB)
- How it works PowerPoint presentation (PPT - 821kB)
- Is my home in a Qualified Census Tract?
(If it is, the purchase price and income limits may be higher)
