I bought a new home an pre-paid mortgage interest to the title company. It is not on a 1098, so where do I enter this information?

[mankind26]

I only see fields to enter mortgage interest from a Form 1098, which I do not have.

[KrisD15]

Enter that as POINTS 

• Deductions & Credits
• Your Home
• Mortgage Interest, Points, Refinancing, and Insurance
• Start or Update 

Enter your Form 1098 (if you have one) until you reach the screen that asks "Did you pay points in 2025 when you took the loan?" and select "We paid points when we purchased or refinanced to improve our main home in 2025" 

On the screen that follows titled "Tell us about the points you paid", select "Points only appear on our Closing Disclosure or HUD"

Enter the amount in the drop-down which appears. 

Continue through the interview

Note, since you say you have no Form 1098, 

enter as if you have a 1098 under the section noted above

Enter the title company as the lender

select "The seller is financing this loan and we didn't received a 1098"

Select "Neither

Enter the information for the Title company, they should have an EIN

Enter the amount of points as the amount of interest paid 

Use the purchase price as the beginning balance and closing for acquisition date

Continue through the interview. 

Keep a copy of the closing documents with your tax file 

[mankind26]

Thank you!  I want to clarify I DID get a1098, but the closing cost pre-paid interest was not on that 1098 since the loan was sold.  Should I add the points to the 1098 that I received, or add a new one and say "The seller is financing this loan and we didn't received a 1098"?

[AmyC]

You want to add your points paid to the one received. Seller financing is a completely different beast. The IRS only sees the totals on Sch A. Keep your paperwork.

[ghosh99]

I was in the same dilemma except ChatGPT caught the miss. TT didn't ask "did u buy a new home" like it used to and do not have a way to say I have pre-paid interest due to purchase of home that is not in my 1098 directly anymore. I used ChatGPT Pro as my CPA agent and saved $$$$ over TT mistakes and blind spots like this.
Anyways, it suggested you should not report pre-paid interest as Points as they tax treatment of points are different than interest. Just use the checkbox next to Interest Box in 1098 and check  ✔ “Interest amount is different from 1098” , then add your pre-paid interest and in the following screen give a note that original lender X sold the loan to Y and hence the pre-paid interest is not reported in 1098 but its present in the Closing Disclosures.