Deductions & credits

All 1098 forms entered on the 2020 return should have the outstanding principal balance due as of 1/1/2020 so only the first mortgage you had will report that amount ... all the following refi's or banks switches will have a zero for the beginning amount since those mortgages did not have an outstanding balance on 1/1/20 since they did not exist on that day.   If you do this the program will complete the forms correctly.