I found a workaround, after many hours, so hopefully this helps somebody else. At least for my case which is: Mortgage originated in 2015, with refi in 2020, so should have $1,000,000 cap, but the Deductible Home Mortgage Interest Worksheet was *not* filling in properly. In fact it wasn't filling in anything, and was not calculating the limited deduction.
Steps for workaround:
1) Go to the Home Mortgage Interest Worksheet
2) In the Smart Worksheet section at the bottom in B, for question "Was this loan the result of financing a previous loan?", though it should be Y, choose N. But make sure to fill in the other info in B, with origination date
3) Go back to Deductible Home Mortgage Interest Worksheet - it should now have actually filled in all the numbers, and calculated your lower (limited) interest deduction. Write down this number, as is does NOT automatically propagate to Schedule A
4) Go back to Schedule A, and in line 8a, select the wrong number, and right-click then choose Override. Enter the correct number
5) You should now see your Federal Tax Due update
NOTE: If you go run the Smart Check, it will give you a warning that you should *not* Override line 8a. You will have to ignore this. It should still let you file.
