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New Member
posted Mar 30, 2025 9:15:11 AM

Mortgage Interest Isn't in my Final List of Itemized Deductions

I reported the mortgage interest that I paid on my primary residence, but it isn't showing up in my summary of deductions, nor is it listed in Schedule A.  My standard deduction is larger than my itemized deductions, but I have chosen to use the itemized deductions because it is advantageous on my state taxes.  When I force TurboTax to use the itemized deductions, it includes a real estate taxes and a local tax deduction, but it fails include the mortgage interest.  Any ideas?

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2 Replies
Level 15
Mar 30, 2025 9:34:30 AM

When TurboTax asked whether the loan is secured by a property of yours, did you answer Yes? If the loan is not secured by a home that you own, the interest is not deductible. A mortgage loan is normally secured by the home that the loan was used to purchase. Answering this question incorrectly is probably the most common reason that mortgage interest is omitted from Schedule A.


If that's not the problem, go through the mortgage interest section of the interview again and check your other answers. If you are using the desktop TurboTax software make sure your software is updated.

 

Expert Alumni
Mar 30, 2025 10:12:40 AM

If TurboTax is not including your mortgage interest in your itemized deductions, you can try deleting and re-entering your mortgage information.

 

To check you entries, you can follow the instructions below. As rjs mentions above, make sure you have checked "Yes" on the screen that asks "Is this loan secured by a property of yours?".

 

To get back to your TurboTax screens to review this entry, you can:

  1. Click on the search icon at the top right of your TurboTax screen
  2. Type "1098" in the search bar
  3. Click on the link "Jump to 1098"
  4. Review your 1098 entries to make sure all numbers are correct and that you answered the follow-up questions accurately.

 

To delete a Form 1098, you can do the following if you are using TurboTax Desktop:

  1. Click on "Forms" at the top right of your TurboTax screen to switch to "Forms Mode"
  2. In your left panel search for "Form 1098"
  3. Click on "Form 1098" and it will appear in your right panel
  4. At the bottom left of your "Form 1098" click on Delete Form
  5. A box will appear to confirm the deletion, Select "Yes"

If you are using TurboTax Online you can delete a Form 1098  as follows:

  1. Continue your return
  2. Choose "Tax Tools" option on the left menu bar in the federal section of TurboTax
  3. Choose "Tools"
  4. Under "Other Helpful Links" choose "Delete a form"
  5. Find the Form 1098 and click on the option to delete it

To manually enter a Form 1098 in TurboTax you can do the following:

  1. Click on the search icon at the top right of your TurboTax screen
  2. Type "1098" in the search bar
  3. Click on the link "Jump to 1098"
  4. Enter your Form 1098 and answer all of the follow-up questions accurately

 

Click here for "Where do I enter my 1098 mortgage interest statement?"

 

Click here for information on removing a form in TurboTax Desktop.

 

Click here for additional information on deleting a form in TurboTax Online.

 

If you have additional information or questions regarding this, please return to Community and we would be glad to help.