As you have found, this is an error in the program that has not been fixed (and it seems questionable if they are planning on fixing it or not).
If you did NOT take extra money out, then I think the work-around is to just enter it as ONE 1098, and just manually combine the amounts of interest.
@jeffreydlewis wrote:- The old mortgage was about $880k so not subject to interest deduction reduction (because pre-2017). The new mortgage is also about $879k but now subject to reduction.
No, unless you took out money, there is no reduction. The refinance still follows the pre-2017 rules.
