topic If we are divorced, how do we enter our 1098 Mortgage interest? I read that we could split the mortgage interest between both of us. Please let me know if this is correct in Deductions & credits

If we are divorced, how do we enter our 1098 Mortgage interest? I read that we could split the mortgage interest between both of us. Please let me know if this is correct

eflores06_01349 — Mon, 23 Feb 2026 13:11:59 GMT

Re: If we are divorced, how do we enter our 1098 Mortgage interest? I read that we could split th...

TomK2023 — Mon, 06 Feb 2023 21:06:50 GMT

Yes, you can split the mortgage interest (and property taxes) as long as you are both listed on the mortgage. Each of you can list 50% on your separate returns. Whoever does not list the 1098, should indicate that they don\'t have one in the program. Be sure to keep a copy of your documentation.,

Re: If we are divorced, how do we enter our 1098 Mortgage interest? I read that we could split the mortgage interest between both of us. Please let me know if this is correct

leeloo — Mon, 06 Feb 2023 23:17:17 GMT

According to the IRS, you must actually pay the mortgage to be able to claim it.

Who gets to take the deduction?

You do, if you are the primary borrower, you are legally obligated to pay the debt and you actually make the payments. If you are married and both you and your spouse sign for the loan, then both of you are primary borrowers. If you pay your child's mortgage to help them out, however, you cannot deduct the interest unless you co-signed the loan. You can however make gifts to them so that they can make the payments and deduct the interest.

IRS Publication 936: Home Mortgage Interest Deduction.

Re: If we are divorced, how do we enter our 1098 Mortgage interest? I read that we could split th...

PattiF — Mon, 06 Feb 2023 23:59:36 GMT

For divorced people who both have their names on the mortgage interest Form 1098, you can enter your portion o your return and your ex-spouse can enter the other half.

You would do this by following these directions:

"Deductions & Credits" tab
"Edit/Add" "Mortgage Interest" topic
"Edit" the 1098 for the lender or "Add a lender" if applicable
"Continue"
"Someone Co-owns this loan" then select the appropriate option for the separate return you are working.
"Continue"
Put in the information for the other person as applicable.
Enter only the correct portion of the 1098 amounts that belong to each of you