IRS Notice CP28

Forum|Forum|5 months ago
January 5, 2026
2 replies
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Got a notice that there was an error on my 2024 return for the Home Mortgage Interest Deduction calculation. I did go into the Amend return to see if I entered the correct amount that was on my Mortgage statement and I did.

My mortgage is over $750k so I am not entitled to the full deduction but I can't see how Turbo Tax calculated the amount it used (which was less than the full amount that I entered in so Turbo Tax did reduce it).

I can't get anyone on the phone to help me figure out if the calculation was right or not - any idea how I can get someone on the phone to help me with this 2024 calculation?

TurboTax Self Employed Online

Opus 17

Level 15

You won't get tax help on the phone unless you used the Live version or purchased Audit Defense.

The IRS method is described in publication 536.

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

If you have one mortgage, and didn't change lenders in the middle of the year, and didn't have an HELOC with a changing balance, the calculation is pretty easy, using the method in the publication. You can do the calculations and send the IRS a letter of explanation with proof of your work (if the IRS was wrong) or you can do an amended return and just use the correct number from the worksheet instead of letter TT calculate it, if TT was wrong.

To see what TT did, there should be an internal program worksheet that you should probably be able to see if you download the PDF containing "all forms and worksheets." However, if you started the amending process, you might have changed your file so that the current state of the worksheet doesn't match what was filed.

RedRaider97Author

Level 2

Thanks for the reply!

I did cancel the Amend process so nothing was changed. When I go to the main TT screen, at the bottom is "Your Tax Returns and Documents" which when I expand, given an option to "Download/Print Return (PDF)". Clicking that, it just pulls down the 2024 return without any calculation docs that I can see. I don't see any other options to pull in additional worksheets. When I view the return, it just has the actual number TT input for the tax deduction (no calculation). Anywhere else I might be able to find the actual worksheets?

Same lender all year, no HELOC, and only one mortgage so it should be easy to follow the calculation TT used if I could find it.

Opus 17

Level 15

@RedRaider97 wrote:

Thanks for the reply!

I did cancel the Amend process so nothing was changed. When I go to the main TT screen, at the bottom is "Your Tax Returns and Documents" which when I expand, given an option to "Download/Print Return (PDF)". Clicking that, it just pulls down the 2024 return without any calculation docs that I can see. I don't see any other options to pull in additional worksheets. When I view the return, it just has the actual number TT input for the tax deduction (no calculation). Anywhere else I might be able to find the actual worksheets?

Same lender all year, no HELOC, and only one mortgage so it should be easy to follow the calculation TT used if I could find it.

I don't use the online program so I don't have experience with downloading the worksheets instead of just the return, but there should be (or used to be) an option for "download all forms and worksheets." I'll ask around.

@VolvoGirl @xmasbaby0 @rjs @DoninGA

In any case, you should perform the calculation using the instructions in publication 923. If the Turbotax calculation was wrong, TT is supposed to cover any interest and fees (if any are charged) but you always owe your own correct tax. If the TT number is different from the publication 923 number, there is a procedure we can use to get tech support involved even if you can't download the worksheet yourself.