IRS · Official form

Form 1098, Mortgage Interest Statement

Form 1098 reports the mortgage interest a lender received from a borrower during the year. Fill in the official IRS PDF below and download it.

Fill out 1098 in the editor Download the blank PDF Quick fill on this page

This is the genuine IRS PDF, unmodified. Source: IRS official page.

What is 1098?

Form 1098, Mortgage Interest Statement, is an information return filed by anyone who, in the course of a trade or business, receives $600 or more of mortgage interest from an individual during the year. It also reports mortgage insurance premiums, points paid on the purchase of a principal residence, the outstanding principal, and the origination date.

Borrowers use the form to figure their mortgage interest deduction on Schedule A. The lender files Copy A with the IRS and furnishes Copy B to the borrower.

Who files 1098?

Banks, credit unions, and mortgage servicers that collect mortgage interest
Any business that received $600 or more of mortgage interest from an individual in the year
Sellers who finance a property sale in the course of their trade or business
Homeowners receive the form and use it to claim the interest deduction

How to fill out 1098

Enter the recipient/lender’s name, address, and TIN, then the payer/borrower’s information.
Report the mortgage interest received in box 1 and the outstanding principal as of the start of the year in box 2.
Fill in the origination date, any refund of overpaid interest, mortgage insurance premiums, and points in the remaining boxes.
Add the property address or description if it differs from the borrower’s address.
Download the finished PDF, send Copy B to the borrower, and file Copy A with the IRS by the deadline in the current instructions.

Worth knowing: Copy A of Form 1098 filed with the IRS must be e-filed through IRIS or FIRE, or submitted on the official scannable red-ink forms. Do not print Copy A from a downloaded PDF and mail it: it cannot be scanned and may trigger penalties. Use this fillable PDF for borrower copies and your records.

Quick fill 1098 on this page

Prefer to see the form itself while you type? Open 1098 in the editor to fill it on the actual pages, add a signature, and download.

These are the form's own fields, in the order they appear on the pages. Fill in what you know; anything left blank stays a fillable field in the PDF, so you can finish it in any PDF reader. Nothing you type here is sent to IRS.

Page 3 20 fields

Copy B. For calendar year. 4 digit year.

CORRECTED (if checked)

RECIPIENT’S/LENDER’S name, street address, city or town, state or province, country, ZIP or foreign postal code, and telephone no.

RECIPIENT’S/LENDER’S TIN

PAYER’S/BORROWER’S TIN

PAYER’S/BORROWER’S name

Street address (including apt. no.)

City or town, state or province, country, and ZIP or foreign postal code

Account number (see instructions)

1. Mortgage interest received from payer(s)/borrower(s).* *Caution: The amount shown may not be fully deductible by you. Limits based on

2. Outstanding mortgage principal

3 Mortgage origination date

4. Refund of overpaid interest

5. Mortgage insurance premiums

6. Points paid on purchase of principal residence

7. If address of property securing mortgage is the same as PAYER'S/BORROWER'S address, the box is checked, or the address or description is

8 Address or description of property securing mortgage

9 Number of properties securing the mortgage

10 Other

11 Mortgage acquisition date

Lock the PDF after filling (values become permanent, fields are removed)

Processed on our own servers, never sent to a third-party service. Files are deleted automatically after two hours, and you can delete them sooner from the result screen.

Frequently asked questions

I received a Form 1098. What do I do with it?

Use box 1, and points in box 6 if any, to figure your mortgage interest deduction on Schedule A if you itemize. Keep the form with your tax records; you do not attach it to your return.

Does a private lender have to file Form 1098?

Only if the interest is received in the course of a trade or business. A person who occasionally lends money privately generally does not file, but the borrower may still be able to deduct qualifying interest with proper records.

What if the interest I paid was under $600?

The lender is not required to file Form 1098 below that threshold, but qualifying mortgage interest can still be deductible. Use your own loan statements to support the deduction.

Form 1098, Mortgage Interest Statement

What is 1098?

Who files 1098?

How to fill out 1098

Quick fill 1098 on this page

Frequently asked questions

Related forms

Schedule A (Form 1040), Itemized Deductions

Form 1098-E, Student Loan Interest Statement

Form 1096, Annual Summary and Transmittal of U.S. Information Returns