I know that if one files MFS the other has to as well. I know we can allocate the share we pay in interest in whatever proportion we agree (we will do 50/50 this year as we both contribute equally to the mortgage payment). The total mortgage owed by my wife and me is less than $600,000. The software is insisting that my mortgage exceeds the $375,000 limit ($750,000 per couple). The question it asks is what is the amount in box 1. But putting the full amount puts me over the limit. So the questions is, do I only report half the mortgage as mine? We also refinanced in 2020. I am not sure, but I think it may be adding both the old and new mortgages in reaching the conclusion that I am over the $375,000 limit.
