On the review step, enter the balance as of January 1, 2022 and leave the paid-off field blank. TurboTax takes the average of the outstanding mortgage principal in Box 2 and the balance you enter as of January 1, 2022 to determine the average mortgage balance for the year. That determines the limit on the deductible mortgage interest. Once you enter the balance on January 1, 2022 you should see your taxes go down a few dollars because it will bring the average balance down.
The points are deducted over the life of the loan. If you paid $1,000 on the refinance and you're on a 30-year mortgage, that comes out to $33 per year or so. By neglecting to report it on your 2020 return, you missed out on about a $10 deduction since you only had the mortgage 1/3 of the year. No big deal.
That being said, you may have to file an amended return for 2020 if you neglected to report your capital loss carryforward from 2019. You can carry them forward indefinitely until they are all used up. If you have no capital gains to offset, your capital losses may offset up to $3,000 of your ordinary income in a year and the remainder gets carried forward to the next year. You can read more about the carryforward rules here.
The carryforward should appear on Lines 6 and/or Line 14 of your 2020 Schedule D. If there is any remaining carryforward for 2021, that would appear in the Federal > Wages & Income > Investment Income > Capital Loss Carryover section.
