Thank you for the reply/for the time. It is not a refi. It is 2 mortgages, on 2 properties. I just bought a new home and moved in November 2020, and am trying to sell our old home but have not been able to sell it yet. I believe the calculator is clearly incorrect. Possible it has not contemplated this scenario (a late year move, multiple 1098s); it is averaging my mortgage balances. Again, in this case I am paying ~$19k of mortgage interest, and I think I should be able to deduct ~$15k, but it is only allowing me to deduct $8k, and I cannot fix it. The $8k is 100% wrong; one one mortgage alone that's <$400k balance I'm paying $12k of interest...
