I have included a link to IRS Pub 936 if you would like to read why the interest can be computed at different amounts because of the many different factors that go into calculating it. It is helpful to understand the requirements. The questions the program asks may make more sense to you after reading the publication.
The interest may be limited by the amount of acquisition debt. The 1098 forms do not cover that in detail, therefore the answers to the interview questions are also needed.
If you use the instructions I posted above (not a work-around) you are adjusting the interest yourself. This would be done in a situation where the 1098 and interview questions do not provide enough information for the program to make the final calculation.
This is caused by the many stipulations the IRS has placed on the requirement to claim the home mortgage interest from 2018 going forward.
IRS Pub 936
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