Thanks for your response. I received a paper notice dated 12/15/2025, Notice: CP28A. It doesn't say any details relating to the return other than the following.
"Our records show you claimed too large of a Home Mortgage Interest Deduction on Schedule A of your 2024 Form 1040 tax return. Review and fix any incorrect home mortgage interest claims. This may help you avoid additional interest or penalties.
There are limits to the amount of mortgage interest you may deduct. Home Mortgage Interest Deduction is limited by your mortgage size (outstanding mortgage amount) and date (loan origination date). You may only claim an interest deduction for a mortgage amount up to $750,000 (for mortgages dated after December 15, 2017)."
My mortgage originated in 2022 at 757,400 and was transferred to another lender on Apr 5 2024 so I've got 2 1098 forms for 2024 and entered both.
First 1098:
Box 1: 10,875.83
Box 2: 776,999.76
Second 1098:
Box 1: 32,403.45
Box 2: 742,571.10
Tax return Schedule A box 8a: 43,279
(my 2023 1098 from the same lender had box 2: 755814.65 which is interesting to me increasing in 2024, but thinking it might be related to COVID related deferral of 6 months payments around 31k total)
