I have this exact problem, and it creates a problem lower down at state level.
At the federal level, it asks if you've taken cash out of a mortgage and asks if it was paid off on what date, if you didn't take cash out, it doesn't
Thus it takes the aggregate of all the 'open' loans old and new, (the loans are 'open' because if you don't say it was paid off it never clicks the paid off box on the 540 form at the state level, and also keeps the number of payments as 12 instead of 'number of months the mortgage was active in 2020') and then filters that down to the state form which in my case as a resident californian has my total outstanding debt as all 3 mortgages combined for the californian mortgage interest adjustment which is completely wrong.
I had to go into the form and manually fill in the correct number of months, and that two of them were paid off.
Surely the fix is simple for TT, they should force users to say if a loan was paid off in 2020 regardless of cash out, then it can correctly ignore them when adding the total debt, as only one will be 'open'.
