2nd Home Mortgage is reducing my interest deduction?

[mrty23]

Hey did you finally figure this out. I am running to the same issue using the IRS worksheet. The problem is that since you bough the second home in the middle of the year but you paid much less intersest on it but in the average balance calcualtion you are entering the both full amounts thus diluting the interest paid on your first home. 

I read through all these comments from the so called experts and no one seems to understand this. 

[mrty23]

Hi Steel. 

Did you  figure this out? No one here seems to understand but I have the same issue. The issue is the second home interest was only for a few months vs the full 12 months of interest on the first home thus diluting the impact when you use just sum up both mortgage balances. 

[NCperson]

@mrty23 - can you please use some real numbers to demonstrate the problem?