Ideally, you should combine the 1098's that are for refinancing and enter the HELOC separately. Delete the form that will not let you enter data in one field and then add the 1098 for the HELOC credit again using $0 or $1 for the beginning balance.
If the problem with the HELOC 1098 continues, it is fine to add it to the other two 1098's and enter as one entry.. The problem with doing that is that TurboTax will ask if this is a refinance or a HELOC.
Combining the entries means that you can not truly answer that question accurately. If you do combine the three 1098's enter the question as mortgage loan that I refinanced. Then answer the question about pulling cash from the loan when refinancing.
If you used the money from the HELOC for something other than to buy, improve or build the home it is secured by then you will need to enter that amount and it will not be part of the interest deduction.
Can I deduct interest on HELOC
[edited3/28/2021 | 4:16 pm PST]
