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Mortgage Interest Credit

You can claim the mortgage interest credit if both of these are true:

  • You have a qualified mortgage credit certificate (MCC).
  • The certificate was issued by your state or local government or agency under a qualified MCC program.

To figure your credit, use Form 8396: Mortgage Interest Credit. You must subtract the amount of this credit from your mortgage interest deduction if you do both of these:

  • Claim this credit
  • Itemize your deductions

To learn more, see Form 8396 at

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