It's not clear if you intended to put 2022 or 2021 for your zero balance. To be clear the Form 1098 shows the balance as of January 1, 2021. The IRS is not asking for the amount on January 1, 2022.
If necessary try putting $1 in that slot then let me know if you were able to move forward.
- Box 2. Shows the outstanding principal on the mortgage as of January 1, 2021. If the mortgage originated in 2021, shows the mortgage principal as of the date of origination. If the recipient/lender acquired the loan in 2021, shows the mortgage principal as of the date of acquisition.
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