Fill out Form 1098 Online in 2026
Give your borrower a correct mortgage interest statement
Form version: Rev. January 2022
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What is Form 1098?
Form 1098, Mortgage Interest Statement, reports the mortgage interest, points and mortgage insurance premiums a lender received from a borrower during the year. The borrower uses it to claim the mortgage interest deduction.
Who needs to file Form 1098?
Lenders and other businesses that receive $600 or more in mortgage interest from an individual in the course of their trade or business. Borrowers receive a copy; they don't fill it out.
How to fill out Form 1098?
1. Open the 1098 in the Profi PDF editor.
2. Recipient/lender: enter your name, address, phone number and taxpayer ID.
3. Payer/borrower: enter the borrower's name, address and taxpayer ID.
4. Box 1: mortgage interest received. Box 2: outstanding principal. Box 3: origination date.
5. Box 4: refund of overpaid interest. Box 5: mortgage insurance premiums. Box 6: points paid on the purchase.
6. Boxes 7–9 and 11: describe the property securing the mortgage, the number of properties and the acquisition date, if they apply.
7. Box 10: other information you choose to give, such as real estate taxes paid.
8. Download the form, send Copy B to the borrower, and file Copy A with the IRS.
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Give your borrower a correct mortgage interest statement
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4.64,550 reviewsWhen is Form 1098 due?
The borrower must get their copy by January 31. Copy A is due to the IRS by February 28 on paper or March 31 if you file electronically.
Where do I file Form 1098?
With the IRS: electronically through IRIS or FIRE, or on paper by mailing the official red-ink Copy A with Form 1096 to the address in the instructions. You must file electronically if you file 10 or more information returns in total. Profi PDF helps you fill out the form; it doesn't file it for you.
Do I need to sign Form 1098?
No, the 1098 has no signature line. If you file on paper, you sign Form 1096, the transmittal that goes with Copy A.
When is Form 1098 not required?
When you received less than $600 in mortgage interest from the borrower in the year, or the interest wasn't received in the course of a trade or business.
How to get a blank Form 1098?
The editor opens with the Rev. January 2022 Form 1098 loaded, so you can fill it out right away.
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Profi PDF is not affiliated with the IRS, the Social Security Administration or any other government agency. We help you fill out, sign and download the form; you submit it yourself. This page is general information, not tax or legal advice.