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New Member
posted Mar 21, 2025 9:01:20 AM

Does my mortgage interest should be deducted in my my 2023 tax return? Turbo Tax provided that I should use standard deduction although I qualify.

Turbo tax did not properly enter the mortgage interest on Schedule A

0 3 2409
3 Replies
Expert Alumni
Mar 24, 2025 6:03:43 AM

We need more information to better assist you. Why do you think the amount of mortgage interest on schedule A is incorrect?

Make sure you've answered all questions in the mortgage interest section correctly. How much you can deduct depends on the date of the mortgage, the amount of the mortgage, and how you use the mortgage proceeds. 

Home Mortgage Interest Deduction

New Member
Mar 24, 2025 7:19:57 AM

Hello, I entered all information relating to home mortgage interest however turbo tax did not create a schedule A. Was there a glitch on the 2023 TT deluxe software.

Expert Alumni
Mar 24, 2025 7:33:09 AM

Entering the mortgage interest does not guarantee that Schedule A will be generated.  Schedule A is ONLY generated if you have more itemized deductions than your standard deduction.

 

 Itemized expenses include mortgage interest, state and local taxes up to $10,000, medical expenses in excess of 7.5% of your AGI and casualty and losses in excess of 10% of you AGI with the first $100 not counting towards the loss. The State and Local Tax deduction does max out at $10,000 regardless of your income.   So if your total itemized deductions are less than your standard deduction, then you would not benefit from any of the mortgage interest you paid. 

The 2023 Standard Deductions are as follows:

  • Married Filing Joint (MFJ)              $27,700
  • Married Filing Separate (MFS)      $13,850
  • Head of Household (HOH)             $20,800 
  • Single                                                     $13,850
  • Both over 65 MFJ                           
  • Over 65 Single                                 
  • Over 65 HOH                                 

Blind and MFJ or MFS add $1,500

Single or HOH if blind add $1,850

 

Standard versus Itemized Deduction