Already submitted taxes and got another form 1098. Do I need to amend?

[eaglei22]

I refinanced my home in 2021 and didn't have to make any payments for the first two months. The loan was sold within those two months to another lender. I had gotten the 1098 from that most recent lender early January and the 1098 from my original loan. I assumed all of my information from the refinance was on that 1098 I got from the most recent lender and submitted my taxes last week.  The IRS accepted and approved my submittal already. 

I just got a 1098 from the first lender that refinanced my home before it sold the loan off. It states I paid $27 of interest. Do I need to add this form and do an amendment for any reason? I am doing a standard deduction. I played around and added it, and my return dollar amount didn't change. 

Oddly enough, the most recent lender's 1098 shows an origination date of 08/24/2021, and the original refinanced lender shows an origination date of 08/30/2021... even though my closing date was 08/24/2021. And both forms listed the mortgage insurance premium which was the fee for doing an IRRRL.  Not sure if any of that means anything either. 

[ThomasM125 · Accepted solution]

You don't need to amend your tax return. The mortgage interest does not matter on your federal tax return if you take the standard deduction and it won't affect most state tax returns either. Also, the amount involved is immaterial.