A personal residence is not "claimed" on a tax return. You can deduct the mortgage interest, mortgage insurance and the property taxes paid that each of you individually paid on your tax returns. But these are itemized deduction and if the total of all your itemized deductions are not greater than the Standard Deduction for your filing status there is no tax benefit in itemizing on a federal tax return.
Standard deductions for 2020
- Single - $12,400 add $1,650 if age 65 or older
- Married Filing Separately - $12,400 add $1,300 if age 65 or older
- Married Filing Jointly - $24,800 add $1,300 for each spouse age 65 or older
- Head of Household - $18,650 add $1,650 if age 65 or older
