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During the yr, you made mortgage funds that included $4,480 deductible interest on your new home. The settlement sheet for the purchase of the home included curiosity of $620 for 29 days in May. The mortgage assertion you receive from the lender includes whole curiosity of $5,100 ($4,480 + $620). When you took out a $100,000 mortgage loan to purchase your own home in December, you have been charged one point ($1,000). You meet all the exams for deducting factors in the 12 months paid , except the only funds you supplied were a $750 down payment. Of the $1,000 you had been charged for factors, you can deduct $750 in the year paid.
