Multiple 1098 forms for deductable Mortgage interest, my tax software failed on this..

I had multiple 1098 forms for deductable Mortgage interest on the same house for the tax year 2025. The mortgage was transferred between 3 lenders during the tax year. This was on a $550,000 mortgage transfer between 3 lenders in the same single year, but still the same single mortgage loan.

The tax software program that I used incorrectly added the 3 lenders together for the single mortgage loan transferred between lenders, for a total mortgage balance of $1,650,000 mortgage debt. This value exceeded the IRS allow $750,000 debt limit for mortgage interest. It did not allow me to deduct the correct mortgage interest than would have allow me to itemize my deductions above the standard marriage joint filed deduction.

I had to do a work around on the tax software for it to identify a single mortgage loan versus incorrectly, 3 mortgage loans total for the same house.

Lesson learned here, the tax software sometimes can't do some unique situations, such as a single mortgage loan transfer between 3 lenders. In my case, software assume it was 3 different loans on the same house. The sotware question/answer input didn't allow for this situation. Any tax software has limitations and needs to be human checked against the IRS published instructions. Understanding the tax code also helps.