@PATM1957 simple explanation:
You automatically get $14,600* of deductions (called the 'standard deduction'). Everyone gets that.
the IRS lets you deduct more if you have more expenses of specific types. Since your mortgage interest is less than $14,600, you just get the $14,600.
90% of taxpayers now take the standard deduction and that has been the case since the 2017 tax law changes.
* I assume you are filing SINGLE and are under 65 years old.
