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*Inherited house*


I inherited my Father's home in late 2018. I have been paying the mortgage since then. The actual mortgage loan is still in my Dad's name, but the DEED to the residence and the property taxes are in mine. I can absolutely show that i have made all of the responsible payments. My question: Can I claim the taxes/interest payments on my personal taxes this year? Thank you.

4 Replies

*Inherited house*

@paulygx3 wrote:

Can I claim the taxes/interest payments on my personal taxes this year? 

Provided you actually made the payments, you have an ownership interest in the house, the mortgage is secured debt (the property can be used to satisfy the debt in case of default), you can deduct the interest paid on Schedule A.


However, there are limitations on the amount of indebtedness.


See https://www.irs.gov/publications/p936#en_US_2018_publink100076298

Expert Alumni

*Inherited house*

Yes, since are the legal owner of the home and paid the entire mortgage, you can claim the full amount of mortgage interest and taxes you paid if you itemize on Schedule A.


For more information on your mortgage interest, see IRS Publication 936Home Mortgage Interest.

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Level 15

*Inherited house*

You can claim it all with no problems or issues. Just be aware that I do know that somewhere (I think in the 1098 entry screen) there's a checkbox for you to indicate that you are not the named individual on the actual 1098-Mortgage Interest Statement. Make sure you select that box and deal with any followup questions that may follow concerning that. It's not a big deal really.


Not applicable

*Inherited house*

wrong.  interest on mortgages over $750,000 would not be deductible and taxes - all taxes are limited to $10,000 or $5,000 if Married Filing Separately. 

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