I don't believe that combining the 1098s into one 1098 works. All of the interest paid in 2020 related to my old 2016 mortgage should be 100% deductible as home acquisition debt, but the new 2020 combined/refinanced loan 1098 also includes some nondeductible HELOC interest.
I should have mentioned no cash out when I refinanced in 2020.
I think that I should continue to get the benefit of the pre-2017 higher limit (up to $1 million) home acquisition debt applied to the approx. $873K from my 2016 mortgage that I refinanced in 2020.
