Carl
Level 15

Deductions & credits

To claim the mortgage interest deduction, you must be legally obligated to pay it. So if your name is NOT on the loan, you have no legal obligation to pay it. Therefore you can not claim it.

To claim the property tax deduction, you must be legally obligated to pay it. If your name *IS* on the deed, then you are legally obligated to pay it and can therefore claim it.