Thank you. I went through all of my returns for the period of time when I had the mortgage (2005 - 2014). None of the 1098's from the bank showed any PMI paid despite the fact that I was paying it. I did itemize, but the PMI box of the itemized deduction schedule in every return was blank so it appears that I didn't claim it. This makes sense because my returns were done by outside preparers and they had only the 1098's from the bank to go on (I never provided further calculations of what I was paying in PMI, nor did I realize that I should have at that time). Therefore, it seems that I would only report the additional amount ($53) that was paid as compensation for the time that I didn't have access to the overpaid PMI. Right?
