Why sign in to the Community?

  • Submit a question
  • Check your notifications
Sign in to the Community or Sign in to TurboTax and start working on your taxes
Level 2
posted Mar 20, 2025 4:29:19 AM

Can I include a) bank origination fees from my initial mortgage and b) mortgage fees of refinancing in the property cost basis ?

0 3 1233
1 Best answer
Expert Alumni
Mar 21, 2025 7:13:38 AM

The renovation costs (items 1, 2, 3) can be included in the basis of the property.  A portion of item 4 may be included.  Item 5 would not be included.

 

See Publication 551 to determine what portion of item 4 can be added to the basis.

 

@rahulv85 

3 Replies
Expert Alumni
Mar 20, 2025 5:38:04 AM

No, fees and costs of getting a mortgage loan cannot be added to the basis of the property.

 

See IRS Publication 551 for reference.

Level 2
Mar 21, 2025 12:34:25 AM

Thank you, below are the type of fees I have paid for buying and renovating the apartment before converting primary residence to rental. Which ones can I include in the cost basis of the apartment? 

 

1. Design and architect fees (renovation)

2. Plumber and electrician fees (renovation) 

3. Fees charged by the building architect for alteration (renovation) 

4. Legal, lien search and due diligence fees (mortgage related)

5. Costs related to initial mortgage and refinancing while it was personal residence before conversion to rental

Expert Alumni
Mar 21, 2025 7:13:38 AM

The renovation costs (items 1, 2, 3) can be included in the basis of the property.  A portion of item 4 may be included.  Item 5 would not be included.

 

See Publication 551 to determine what portion of item 4 can be added to the basis.

 

@rahulv85