topic I have my HUD on a home I refinanced. It shows points and an origination fee. Are both of these items dedutible or just the points.e U refubadncform in Deductions & credits

I have my HUD on a home I refinanced. It shows points and an origination fee. Are both of these items dedutible or just the points.e U refubadncform

di_c0a8f2080001ceba4a71bd950be4 — Mon, 09 Mar 2026 06:15:45 GMT

Re: I have my HUD on a home I refinanced. It shows points and an origination fee. Are both of these items dedutible or just the points.e U refubadncform

TomD8 — Thu, 10 Feb 2022 17:31:44 GMT

The IRS considers mortgage loan origination fees to be points. Here are their rules on deducting points:

https://www.irs.gov/taxtopics/tc504

Re: I have my HUD on a home I refinanced. It shows points and an origination fee. Are both of these items dedutible or just the points.e U refubadncform

Opus 17 — Thu, 10 Feb 2022 17:43:07 GMT

An origination fee is only "points" if it is charged as a percentage of the loan, and not for any other fees or services. For example, a flat fee of $500 is not "points", or if the bank charged 1% of the loan balance but it was designated as a title search fee or bank attorney fee, that is not points.

Re: I have my HUD on a home I refinanced. It shows points and an origination fee. Are both of these items dedutible or just the points.e U refubadncform

di_c0a8f2080001ceba4a71bd950be4 — Sun, 13 Feb 2022 16:58:13 GMT

This is the answer I requested.