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My husband and I bought a home last year. We are both on the mortgage. We are filing separately. Who claims the house?

 
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6 Replies
KrisD15
Expert Alumni

My husband and I bought a home last year. We are both on the mortgage. We are filing separately. Who claims the house?

Whomever made the payments.

 

If you both did, you may each claim your portion. 

 

(If you live in a Community Property State, you will each claim half) 

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My husband and I bought a home last year. We are both on the mortgage. We are filing separately. Who claims the house?

He would write a check to me and then I would pay the mortgage from my bank account. 
Would we still both claim? 

MayaD
Expert Alumni

My husband and I bought a home last year. We are both on the mortgage. We are filing separately. Who claims the house?

Only the person who actually paid the interest can take the deduction. If he is giving you a check for the full amount, he would claim the deduction. 

How do I deduct mortgage interest if I co-owned the home?

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My husband and I bought a home last year. We are both on the mortgage. We are filing separately. Who claims the house?

 

My husband and I bought a home last year. We are both on the mortgage. We are filing separately. Who claims the house?

He’d pay a part and so would I but it would come from my bank account. Can just 1 of us claim everything and the other not file for it then? 

DawnC
Employee Tax Expert

My husband and I bought a home last year. We are both on the mortgage. We are filing separately. Who claims the house?

In a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin), you both must report half.   In all other states, each claims what they paid.   You both can't claim the same deduction.  If you paid it all, claim it all, but that would mean he paid none and can't deduct any.   

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