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Deductions & credits
So I tried both methods that are referenced both inside TT help and in these articles:
Method 1 - I combined the two 1098 forms I have - from my original loan and the refinanced loan - and made just one entry in TT and added the amounts in box 1 and RE taxes paid, and used the outstanding principal and origination dates from the original loan (as indicated within TT help). I got a Federal Tax Due of $2,000 (example) at the top of the TT screen.
Method 2 - I entered both 1098 forms separately but on the original loan, I entered "$1" for the outstanding principal. There's also a subsequent screen that appears that asks you to enter your mortgage balance on 1/1/2021 or on date that you paid off the loan. I entered "$1" in this screen too for the original loan and the actual balance for the refinance loan. The result is that I get a Federal Tax Due of almost double so $4,500 (example).
So both methods result in different tax due amounts so I'm not confident which one is the correct one to use given that the tax due is significantly different.
Why can't TT actually fix the bug? Which is the correct method??