Ok ... listen up ... until you are married you will each file as single and only claim the amounts you paid not to exceed 100% of the actual expense.
HOWEVER smart people set it up so that ONE person pays the mortgage and RE taxes so that person can itemize deductions and the other takes the standard deduction ... doing it this way gets the best bang for the buck. Have the other person pay the utilities & insurance, groceries to balance the books if you are really keeping score. Putting both paychecks into a joint account also works. AND the person with the higher income usually benefits most from itemizing.
