You are correct, any amount from the original loan (prior to Dec 2017) that is refinanced in 2018 or later stays within the same rules as the original loan.
In TurboTax desktop products you will need to use the steps outlined in this link to avoid the incorrect limitation.
These steps can also be found in the step-by-step interview when entering mortgage forms 1098. The hyperlink is titled "Multiple 1098s related to a refinance in 2020."
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
