Living Separately, Filing Jointly. How do I know what mortgage interest to claim?

[bestanek15]

So this question is two parts. First my spouse and I are in the process of a divorce but do not have anything formally documented. Therefore, I do believe we are still able to file a joint return. Just looking to confirm that part first. 

Second, we both own our own homes and have interest to report. We shared a loan to start 2022, which was refinanced by my spouse to pay off the joint loan, buy me out and finance the home going forward. I then took my proceeds and purchased a new home for myself, closing in June and moving in in August. We lived in the same home until I was able to move into my new primary residence. 

My question is how should the mortgage interest be entered and claimed?

Thank you!

[Bsch4477]

Since you are still married you can file jointly. Your return would look the same as if you were still together with income and deductions reported together. 

[HelenC12]

Bsch4477 is correct. Enter both Form 1098 forms like you normally would. 

You can deduct interest on a second home if it meets the requirements. See Can I deduct mortgage interest on a second home?

Here's how to enter your mortgage interest statement in TurboTax:

1. Open or continue your return, if you haven’t already
2. Locate the search bar in the upper right of your screen, and search for 1098. Select the Jump to link at the top of the search results
3. Answer Yes on the screen Did you pay any home loans in 2022?
4. On the following screens, you can choose how to enter your 1098:
   • If your lender is a TurboTax partner, you can import your Form 1098. Search for your bank or financial institution and enter your login credentials to begin the import process
   • If you prefer to upload a copy of your form from your device, or type in the info yourself, select Change how I enter my form and follow the instructions on the next screens
5. As you continue through the screens, answer the questions about your mortgage according to your situation and enter or confirm the info from your 1098

Related information: 

• Can I deduct my mortgage interest?