Mortgage Interest deduction much higher than reported 1098 interest

We have one loan in 2021.  We have interest that gets slightly limited due to the amount of the loan, it just dropped under $1mil this year.

 

I entered all the info about the house, loan amounts, and purchase date but then on the summary page it's like $4,000 higher.  I can't see where that is coming from.

 

Looking at 2020, that number too seems to be higher than the 1098 show.  I had 2 in 2020 so I didn't think to really add them up.  It is like $5k higher.  

 

Is this related to the points somehow?  

 

Thanks.

 

This shows 24,706 INterest and 351 points.

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Here it shows 29966 total deductions.

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