topic Received a CP28A notice. States I may have claimed too large of a home mortgage interest deduction. 1098 and Schedule A appear correct. No fine listed. What do I do? in Deductions & credits

Received a CP28A notice. States I may have claimed too large of a home mortgage interest deduction. 1098 and Schedule A appear correct. No fine listed. What do I do?

ankkna — Sun, 21 Dec 2025 11:07:01 GMT

It says if I claimed a deduction in error, I should amend my return. After reviewing 1098 and Schedule A, Schedule A contains claims partial mortgage interest and appears correct. I am assuming I do nothing but not sure that is a safe assumption.

Re: Received a CP28A notice. States I may have claimed too large of a home mortgage interest deduction. 1098 and Schedule A appear correct. No fine listed. What do I do?

Mike9241 — Sun, 21 Dec 2025 17:48:55 GMT

see this IRS webpage for what you must do

https://www.irs.gov/individuals/understanding-your-cp28a-notice

do nothing and the IRS will adjust the deduction to what it computed and then bill you penalties and interest. so responding in critical.

Re: Received a CP28A notice. States I may have claimed too large of a home mortgage interest deduction. 1098 and Schedule A appear correct. No fine listed. What do I do?

ankkna — Sun, 21 Dec 2025 18:36:06 GMT

I filed my taxes with TurboTax and it looks like they adjusted my interest deduction correctly. I don't see anything wrong. Do I just reach out to TurboTax somehow and ask them to validate?

Re: Received a CP28A notice. States I may have claimed too large of a home mortgage interest deduction. 1098 and Schedule A appear correct. No fine listed. What do I do?

user17677258366 — Tue, 06 Jan 2026 18:58:22 GMT

I have the same issue. It looks like the calculations were correct but then Turbotax filled with a limit of 1,000,000 instead of 750,000. I don't qualify for the 1,000,000.

Re: Received a CP28A notice. States I may have claimed too large of a home mortgage interest dedu...

RobertB4444 — Mon, 12 Jan 2026 18:16:36 GMT

If you are stating that you believe that the IRS adjusted your interest deduction correctly then pay any amount due and that will end the matter.

If you are stating that you used the correct loan limit of $750,000 on the original return then you should contact the IRS at the address on your CP28A notice and tell them that you feel the calculation is correct. Be sure to indicate the mortgage origination date as well as a copy of the 1098 that you originally received.

@ankkna