We cannot see your tax return so do not know if your tax refund is correct for you or not.
There is not a tax credit or a tax deduction for the purchase of a first-time personal residence.
You will be able to claim any mortgage interest paid, real estate tax paid and points paid on the loan (if any) as itemized deductions on Schedule A.
However, the total of all your itemized deductions on Schedule A must be greater than the standard deduction for your filing status to have any tax benefit.
Standard deductions for 2023
Single - $13,850 add $1,850 if age 65 or older
Married Filing Separately - $13,850 add $1,500 if age 65 or older
Married Filing Jointly - $27,700 add $1,500 for each spouse age 65 or older
Head of Household - $20,800 add $1,850 if age 65 or older
