Clergy Housing Allowance - Mortgage Interest

[KevinDean1960]

CLERGY HOUSING ALLOWANCE - MORTGAGE PAYMENTS [Principle and Interest]
A while back I refinanced my 1st Mortgage which included some Cash Out to pay off other debt.  This was about 11% of the Mortgage Principle Balance.  I am still allowed to include the entire amount of Mortgage Payments in my Clergy Housing Allowance?  Or am I only allowed to include the amount less 11% of the Mortgage Payments?  For example, if my total amount of Mortgage Payments were $20,000.00 for 2022, would I only be able to include $17,800.00 in my Housing Allowance? 

I appreciate your helpful advice!

[Opus 17]

You already asked this and got several opinions, why are you asking again?

https://ttlc.intuit.com/community/tax-credits-deductions/discussion/clergy-housing-allowance-mortgag...

While I (as a long time expert and former church treasurer) am not aware of a specific regulation that you can't include the entire mortgage payment as your cost of housing, I think there is a good moral argument that you should only include the portion of interest that actually provides housing, and I will concede that the other experts might be right and the IRS might see it that way.

You will have to decide what to do based on this information, or find a local expert in clergy taxes who can give you personal assistance.