If you itemize your deductions you will deduct the amount that you actually contributed towards the payments. You will need to work with your co-owner to determine the amount that each of you contributed towards the amount reported on Form 1098
However, you will not deduct mortgage on your tax return if you do not itemize your deductions and take the standard deductions.
Standard deductions for 2019
Single - $12,200 add $1,650 if age 65 or older add
Married Filing Separately - $12,200 add $1,300 if age 65 or older
Married Filing Jointly - $24,400 add $1,300 for each spouse age 65 or older
Head of Household - $18,350 add $1,650 if age 65 or older
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