If your refinance in 2020 was to refinance the original mortgage to buy the house, enter the original principal borrowed to buy the house, not the amount refinanced minus the cash-out for the car. Enter your 1098 as you received it, including the origination date for the refinancing loan in box 2. Then when asked, select 'This is a refinance of a previous loan'. Turbo Tax will ask you to enter the purchase date of the home bought with this lender. Enter the origination date of the original mortgage.
