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The Home Start Homebuyer Tax Credit Program (HBTC) makes homeownership more affordable for first-time homebuyers. It can decrease the income taxes you owe, thereby boosting your take-home pay, which helps you qualify for a mortgage and make your mortgage payments. This is not a one-time credit...it is an annual tax credit of up to $2,000 each year for the life of the original mortgage, as long as you live in the home.


To qualify for the Homebuyer Tax Credit you must:

  • Complete the online Home Start Homebuyer Tax Credit training.
  • Be a first-time homebuyer (have not owned a home in three years) or are purchasing a home in a "targeted area."
  • Be qualified for a new mortgage. MCCs cannot be used with existing loans.
  • Intend to occupy the home as your principal residence.
  • Be purchasing a house that is a single family residence and that meets certain purchase price limits.
  • Meet certain income limits.



If you are still feeling a bit lost, you may also review our Steps to Homeownership to see where you are in the home buying process and determine what you should do next.