need a "full list" of "all" costs and fees eligible for deduction when refinancing a hm...your government owned program will not list them... gee go figure....

[tfolczynski]

what are ALL the cost associated with refinancing a home are deductible? i want the complete list

[xmasbaby0]

You might have an unrealistic expectation of what you can deduct for a refinance.  You can deduct the same things you could deduct for a new mortgage:  Property tax, mortgage interest, and loan origination points.   You cannot deduct fees such as  closing costs, appraisals, inspections, title searches, etc .

https://ttlc.intuit.com/turbotax-support/en-us/help-article/homeowner-tax-credits-deductions/refinan...

https://ttlc.intuit.com/turbotax-support/en-us/help-article/taxation/kinds-refinancing-costs-deduct/...

And...your itemized deductions have an effect on your tax due or refund ONLY if your itemized deductions exceed your standard deduction.

2024 STANDARD DEDUCTION AMOUNTS

SINGLE $14,600    (65 or older/legally blind + $1950)

MARRIED FILING SEPARATELY            $14,600    (65 or older/legally blind + $1550)

MARRIED FILING JOINTLY $29,200    (65 or older/legally blind + $1550)

HEAD OF HOUSEHOLD $21,900    (65 or older/legally blind + $1950)

[Opus 17]

Basically, nothing.

You are looking for IRS publication 523 and 936,

https://www.irs.gov/forms-pubs/about-publication-936

https://www.irs.gov/publications/p936

https://www.irs.gov/forms-pubs/about-publication-523

The only costs that are deductible when refinancing a home are mortgage interest.   Mortgage interest includes the daily interest you paid to the new bank from the date you signed the loan to the end of the month, even if it is not included on a 1098.

Mortgage interest also includes "points", if you paid them and if you meet certain conditions.  However, on a refinance, you can only spread the points out over the life of the loan -- for a 30 year loan (360 months) you can deduct 1/360th of the point for each payment you made in the tax year.

If you had a previous loan and you were also spreading out the points over the life of that loan, and you refinanced with a different bank, you can deduct your remaining points on that loan when you paid it off.  However, if you refinanced with the same bank, you must roll those points into the new loan and start the clock all over again.

Other costs, like appraisals, bank attorney fee, and so on, are not deductible.  A few costs might add to your cost basis, which may reduce your capital gains when you sell but are not deductible now.  Those costs are listed in publication 523. 

[Mike9241]

as to real estate taxes, escrow deposits and payments are not deductible. you get the deduction when money is taken out of escrow to actually pay the taxes.

points are not de8uctible but must be amortized over the life of the mortgage.

interest charges would also be deductible/

other than those items it's unlikely that any charges are currently deductible.  some might add to your basis others are personal expenses which are not deductible or capitalizable.  

also, if you refi'd for more than the mortgage balance at that time, interest attributable to the additional borrowing might not be deductible.