Home loans

depends how long you waited to close on the mortgage... the mortgage closing date can't be more than 90 days after the home closing date to qualify as deductible mortgage debt

 

see IRS publication 936 , page 10, 1st column at the very bottom:

 

 

1. You buy your home within 90 days before or after the date you take out the mortgage. The home acquisition debt is limited to the home's cost, plus the cost of any substantial improvements within the limit