Yes, subtract the amount used for something other than the house.
Example, you take out a 325,000 loan to buy a house.
When the loan balance is down to 300,000, you refinance for 350,000 to pay off loans and buy a car.
You would subtract the 50,000 you took out from the 350,000 refinance and enter 300,000.
300,000 is what you still owe for buying the house in the first place.
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