If I have a co-borrower, do we have to split the mortgage deduction? Or can one of us claim the whole thing?

[kass-argent]

My partner and I are co-borrowers on our mortgage. We share all our money in one checking account that the mortgage gets paid from.

[MargaretL]

You must "split" the deduction if you file separate tax returns. Each of your will deduct your paid share.

 If joint account and even amount, you would simply split 50/50. 

[kass-argent]

If we split the deduction, my partner's half would be less than the standard deduction, so he would end up taking the standard. Does that still mean that I can't claim the entire house, since he wouldn't be deducting any of it?