Deductions & credits

The person or people whose name is on the mortgage or deed is the person who can enter the mortgage interest or property tax paid onto a tax return.   You state that you just "moved in" with a friend---that just sounds like roommates who are sharing costs.      The owner of the home will be getting a 1098 from the lender.   They can enter the mortgage interest, property tax and loan origination points on their tax return if they are itemizing deductions.

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