If 2 people are on the home deed, can 1 person take tthe full interest and tax deduction even if they always split it before?

[SweetieJean · Accepted solution]

Unless the two people are married to each other, you each can only claim the amount your actually paid yourself in a particular year.

This can vary from year to year, though.

[JulieR]

Yes.  You may choose to deduct the entire amount on your return regardless of whether you split it in the past.

[Hal_Al]

Unmarried couples claiming mortgage interest and property tax.

You pretty much have a choice. One can claim it all or you can split it. It's usually best if only one claims it, allowing the other to use the standard deduction.

You have to meet the rules, which are:

1. You are legally obligated to pay it

2. You actually pay it. Paying from a joint account where you made sufficient deposits to cover the payments will usually meet this standard. However. paying from your own account would be a stronger audit defense.