Home Interest Deduction

Help please!
I had a HELOC in 2024 that I refinanced twice in 2025 (home renov over budget) so I have three 1098s to enter. I used all of the money for home improvements. With my first mortgage and HELOC $ combined, the total funds used are $830,000, but the total nominal amounts of the 1st mtg & refi's is over 1,500,000. I paid 39,000 in interest plus I have other deductions. The online program is telling me to take the standard deduction of 31,500. I can't see how TT is doing the calculation but I suspect they are using the face amounts. The workaround from TT's experts is to list the first two HELOC 1098s as 0 balance and answer "no" to the question "Is this the most recent 1098?", and then to enter the final 1098 with the real loan balance and answer "yes" to the question "is this the most recent 1098?"

How do I get it to enter the correct amounts? Am I wrong that I get to deduct most of the interest? (ie 750/730 x $39,000)?

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