Get your taxes done using TurboTax

As in -- it doesn't do it, but it should.  I had the same problem and was about ready to pull the trigger on electronic filing when I decided to take a second look.  As you previously mentioned, all the mortgage information goes in well prior to entry of personal deductions and the program testing for whether itemizing or taking the standard deduction is appropriate.  That's what I meant about the program either flagging a discrepancy once it applies the standard deduction or just automatically moving any entry on Lines 10 and 11 to Lines 16 and 17 when standard deduction is chosen.