Multiple 1098 entries addresses some concerns. Remember, the worksheets are not so terribly important versus the actual tax form going to federal and state. See the real form at About Schedule A (Form 1040 or 1040-SR), Itemized Deductions
@rprastein Regarding the points, if you know they are deductible, just enter them as such. The tax form does not have separate entries for each form. It is one line for interest, another for points. Tell the program what it wants to hear, not a cash out or not a refinance, etc.
@sbachawat1979 Yes, combine and use the current lender for balance. The IRS computer runs through your social security number and 1098 forms and sees if your numbers are less than or equal to the total given. The IRS will double check the mortgage balances to see if yours is limited. The IRS only sees the total on sch A so this is the normal process.
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