{"id":20703,"date":"2024-04-03T11:00:00","date_gmt":"2024-04-03T16:00:00","guid":{"rendered":"https:\/\/resource-center.hrblock.com\/"},"modified":"2026-01-23T13:41:02","modified_gmt":"2026-01-23T19:41:02","slug":"home-mortgage-interest-deduction","status":"publish","type":"post","link":"https:\/\/hrbcomlnp.hrblock.com\/tax-center\/filing\/adjustments-and-deductions\/home-mortgage-interest-deduction\/","title":{"rendered":"Card Test 1"},"content":{"rendered":"\n<p>If you own a home, you may not realize there\u2019s a tax benefit: the mortgage interest tax deduction. The answer for those wondering, \u201cIs mortgage interest deductible?\u201d is \u201cyes.\u201d To reduce your taxable income, you can deduct the interest you pay each tax year on your individual income tax return, which is of value amidst rising mortgage rates.<\/p>\n\n\n\n<p>Understanding the tax rules, including the mortgage interest deduction limit, is key to taking this income tax deduction. Learn more about deducting mortgage interest in this post.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-qualifies-for-the-mortgage-interest-tax-deduction\">Who qualifies for the mortgage interest tax deduction?<\/h2>\n\n\n\n<p>First, let\u2019s answer the question, \u201cHow does mortgage interest work?\u201d When you repay a home mortgage loan each month, you pay a principal amount, plus interest. While money paid toward principal isn\u2019t deductible, the interest is.<\/p>\n\n\n\n<p>If you itemize deductions on <a href=\"https:\/\/www.hrblock.com\/tax-center\/filing\/adjustments-and-deductions\/schedule-a-itemized-deductions\/\">Schedule A<\/a>, you can deduct qualified mortgage interest paid on a qualifying residence, including your:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Main home, or<\/li>\n\n\n\n<li>Second home<\/li>\n<\/ul>\n\n\n\n<p>Homeowners must be legally responsible for repaying the loan to deduct the mortgage interest. Also, the interest must be paid on a debt that is an acquisition indebtedness, which is a debt incurred&nbsp;or&nbsp;assumed&nbsp;to&nbsp;acquire, construct, reconstruct,&nbsp;or&nbsp;substantially improve real&nbsp;property that is&nbsp;secured by&nbsp;the debt.<\/p>\n\n\n\n<p>You can increase your mortgage interest deduction by making extra mortgage payments yearly. For example, if you pay your January mortgage in December, you\u2019ll have one extra month\u2019s interest to deduct. However, you can deduct only what qualifies as home mortgage interest for that year. This might work in your favor when it comes to mortgage points (a fee you can pay to help lower your mortgage interest rate). And if the loan proceeds are used to substantially improve the main residence, the points are fully deductible in the year the mortgage is refinanced.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Is Mortgage Interest Tax Deductible? | H&amp;R Block\u00ae\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/ZVtY6Ev61ho?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-qualifies-as-mortgage-interest\">What qualifies as mortgage interest?<\/h2>\n\n\n\n<p>As a taxpayer, you can fully deduct most interest paid on home mortgages if all the Internal Revenue Service\u2019s (IRS) requirements are met. You must separate qualified mortgage interest from personal interest. Mortgage interest is usually deductible, but personal interest isn\u2019t.<\/p>\n\n\n\n<div class=\"wp-block-create-block-hrb-single-override-cta\" class=\"wp-block-create-block-hrb-single-override-cta\" style=\"background-color:#005d1f\"><div class=\"hrb-single-override-cta--image\" style=\"background-image:url(&quot;https:\/\/www.hrblock.com\/tax-center\/wp-content\/themes\/hrb_tic\/img\/on-laptop-at-desk-graphic.png&quot;);background-size:contain;background-position:center;background-repeat:no-repeat\"><\/div><div class=\"hrb-single-override-cta--copy #ffffff\"><h3 class=\"main-heading\">File with H&amp;R Block to get your max refund<\/h3><div class=\"quick-links-list\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.hrblock.com\/online-tax-filing\/\">File online<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.hrblock.com\/tax-offices\/?app_method=GENERAL_TAX_PREP_METHOD\">File with a tax pro<\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-mortgage-interest-deduction-limit\">Mortgage interest deduction limit<\/h2>\n\n\n\n<p>The deduction for mortgage interest is allowed for home acquisition debt. (A home mortgage is also called acquisition debt. &nbsp;These debts are used to buy, build, or improve your main or secondary home.)<\/p>\n\n\n\n<p>If you\u2019re questioning, \u201cHow much mortgage interest can I deduct on my taxes<em>?\u201d<\/em> you can fully deduct the home mortgage interest you pay on acquisition debt as long as the debt isn\u2019t more than the following amounts within a tax year:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$750,000 of mortgage debt if the loan was finalized after Dec. 15, 2017<\/li>\n\n\n\n<li>$1 million of mortgage debt if the loan was finalized on or before Dec. 15, 2017<\/li>\n<\/ul>\n\n\n\n<p>These limits are halved if you\u2019re <a href=\"https:\/\/www.hrblock.com\/tax-center\/filing\/adjustments-and-deductions\/married-filing-separately-and-itemized-deductions\/\">Married Filing Separately<\/a>. (Note: The lower debt limit is effective 2018 through 2025 and will revert back to $1 million after 2025, barring legislation passing.)<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright\"><img loading=\"lazy\" decoding=\"async\" width=\"240\" height=\"160\" src=\"https:\/\/hrbcomlnp.hrblock.com\/tax-center\/wp-content\/uploads\/2021\/05\/Mortgage-Interest-Deduction.jpg\" alt=\"mortgage interest deduction\" class=\"wp-image-57018\"\/><\/figure><\/div>\n\n\n<p>You can\u2019t deduct the interest you pay on home equity loans or home equity lines of credit if the debt is used for something other than home improvements. This includes things like using it to pay for college tuition or to pay down credit card debt.<\/p>\n\n\n\n<p><em>An example: In 2020, Chris bought his main home for $500,000. A few years later, he owed $400,000 on the original mortgage and took out a $60,000 home equity loan. He used the money to build a sunroom and install an indoor pool. His home is now worth $700,000. He then took out another $130,000 home equity loan and bought a sailboat.<\/em><\/p>\n\n\n\n<p>On his 2025 tax return, it\u2019s better for him to itemize his deductions vs. claiming the standard deduction. That said, he can deduct the home mortgage interest he pays on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$400,000 left on the original mortgage (acquisition debt)<\/li>\n\n\n\n<li>$60,000 sunroom and pool loan (acquisition debt)<\/li>\n<\/ul>\n\n\n\n<p>He can\u2019t deduct any interest related to the home equity loan for the sailboat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-splitting-the-home-mortgage-interest-deduction\">Splitting the home mortgage interest deduction<\/h2>\n\n\n\n<p>What if you share a mortgage with another person? How do you split the home mortgage interest deduction with your spouse? You can each split the mortgage interest you paid if the above requirements are met. If one person in a party doesn\u2019t itemize deductions, the other can\u2019t deduct the full amount of the mortgage interest unless they actually paid it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-mortgage-interest-deduction-exceptions\">Mortgage interest deduction exceptions<\/h2>\n\n\n\n<p>Here are some exceptions to the home mortgage interest deduction:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Suppose a first or second home is used for personal and rental use. In that case, you can allocate the deduction limited to the part of the home allocated for residential living or follow the special variation home rules for the second home. Learn more about navigating&nbsp;<a href=\"https:\/\/www.hrblock.com\/tax-center\/income\/real-estate\/rental-income-taxes\/\">income tax on rental properties<\/a>.<\/li>\n\n\n\n<li>If part of your home is used as a home office, then that portion should be allocated as a business expense as a <a href=\"https:\/\/www.hrblock.com\/tax-center\/filing\/adjustments-and-deductions\/home-office-deduction\/\">home office deduction<\/a>, not the mortgage interest deduction.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-claim-the-mortgage-interest-deduction\">How to claim the mortgage interest deduction<\/h2>\n\n\n\n<p>If you\u2019re wondering how to claim the mortgage interest tax deduction, there are a few pointers to consider.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-itemize-your-taxes\">1. Itemize your taxes<\/h3>\n\n\n\n<p>As mentioned above, you claim the mortgage interest deduction only if you <a href=\"https:\/\/www.hrblock.com\/tax-center\/filing\/adjustments-and-deductions\/standard-vs-itemized-deductions\/\">itemize vs. take the standard deduction<\/a> when you do your taxes. You\u2019ll use Tax Form 1040 (<a href=\"https:\/\/www.hrblock.com\/tax-center\/filing\/adjustments-and-deductions\/schedule-a-itemized-deductions\/\">Schedule A<\/a>) to itemize tax deductions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-get-your-irs-form-1098\">2. Get your IRS Form 1098<\/h3>\n\n\n\n<p>You will get <a href=\"https:\/\/www.hrblock.com\/tax-center\/irs\/forms\/form-1098\/\">Form 1098<\/a> if you pay $600 or more mortgage interest throughout the tax year from your bank lender in late January or early February. This tax form details how much you paid in mortgage interest in a year. Your lender also sends a copy of that 1098 to the IRS. Use this form in the event of an IRS tax inquiry or audit.<\/p>\n\n\n\n<p>Use <a href=\"https:\/\/www.hrblock.com\/tax-center\/filing\/adjustments-and-deductions\/rental-property-tax-deductions\/\">Schedule E<\/a> (1098) for rental property interest.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-calculate-your-mortgage-interest-deduction\">3. Calculate your mortgage interest deduction <\/h3>\n\n\n\n<p>You will need to calculate your deduction by figuring how much interest will qualify for the deduction. Remember the rules above for what kinds of interest payments qualify for deduction.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-report-the-deduction-on-form-1040\">4. Report the deduction on Form 1040<\/h3>\n\n\n\n<p>You will report the deduction on Form 1040, Schedule A.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-navigating-the-mortgage-interest-deduction\">Navigating the mortgage interest deduction<\/h2>\n\n\n\n<p>It pays to take mortgage interest deductions, but it requires a little extra legwork to claim. If you\u2019re looking for help claiming the mortgage interest deduction or other valuable tax deductions, <a href=\"https:\/\/www.hrblock.com\">H&amp;R Block<\/a> can help. Whether you <a href=\"https:\/\/www.hrblock.com\/tax-offices\/local-offices\/#!\/en\/office-locator\/\">make an appointment<\/a> with one of our knowledgeable tax pros or choose one of our <a href=\"https:\/\/www.hrblock.com\/online-tax-filing\/\">online tax filing<\/a> products, you can count on H&amp;R Block to help you with your tax preparation and get your max refund or lower what you owe in income tax.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you own a home, you may not realize there\u2019s a tax benefit: the mortgage interest tax deduction. The answer for those wondering, \u201cIs mortgage interest deductible?\u201d is \u201cyes.\u201d To reduce your taxable income, you can deduct the interest you pay each tax year on your individual income tax return, which is of value amidst [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":59078,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[35,125,23342,23343],"tags":[],"class_list":["post-20703","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-adjustments-and-deductions","category-filing","category-life-stages","category-home"],"acf":[],"yoast_head":"<title>The Mortgage Interest Tax Deduction | H&amp;R Block\u00ae<\/title>\n<meta name=\"description\" content=\"What is the home mortgage interest deduction? 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