single 1098 getting mortgage interest limit int/points error

i have one mortgage. it is a refinance done in oct 2020 where money was taken out to spend on non-house things. i paid interest and have zero points.

i have entered the info from the 1098, and i have said the amount spent on the house which was 0, but the federal check is giving an  error.

 

the mortgage interest  limited smart worksheet is open.

 

tax and interest deduction  worksheet. Limited interest and points must be entered.

 

it then  expects me to put a value in "Limit int/points on 1098" field.

 

on the form ' does your mortgage interest need to be limited' is yes.

 

line A.1 is zero

line A.2 is blank and is asking for a value, but i have no idea what value is.

 

i do not remember getting this problem last year for 2021 tax year.

i've deleted the form twice and when i  reenter the values i  get the same error.