even for points there are rules for deductibility rev proc 94-27, see section 3 for the requirements that must be met. if the lenders origination fee meets all these requirements it's deductible as points
https://www.sjsu.edu/people/annette.nellen/website/225K%20Reading/RP94-27Points.pdf \
real estate taxes. deposits into escrow )the prepayment most likely) are not deductible nor are taxes paid for a period you did not own the home. if taxes weren't paid for the period that you didn't own it there would be a credit on the closing statement for this portion. when the taxes are paid for that period by you you must reduce that amount by the credit to arrive at the deductible amount. it is also possible that taxes were paid by the previous owner overlapping the period you owned it. then there would be a debit (charge) on the closing statement. this would be deductible.
the cap for federal purposes on the deductibility of taxes on schedule A is $10,000 for any filing status other than married filing separately. this includes real estate taxes, state income taxes or sales tax (taxpayer's choice) and personal property taxes.
