Online Form 1098 Generator Fill in the borrower’s Copy B
Prepare a mortgage interest statement in four short steps while Copy B of the official Form 1098 fills in as you type. Download a print-ready PDF once the required boxes are done.
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Who uses Form 1098?
Form 1098, Mortgage Interest Statement, is filed by lenders and other businesses that receive $600 or more of mortgage interest from an individual during the year in the course of their trade or business. It reports the interest received, outstanding principal, points, refunds of overpaid interest, and qualifying mortgage insurance premiums for one mortgage, with the lender’s and borrower’s details.
Banks, mortgage servicers, credit unions, government units, and cooperative housing corporations all use it, filing a separate form for each mortgage. A 1098 isn’t required for interest paid by a corporation, partnership, trust, or estate. The borrower keeps Copy B for their return; the form itself warns that the amount shown may not be fully deductible.
How the 1098 generator works
Enter the lender’s name, address, phone number, and TIN, then the borrower’s name, TIN, and mailing address. Add the calendar year, which this April 2025 revision leaves blank because it’s used for several years, the interest received in box 1, and any principal, origination date, refund, premiums, or points that apply. Finally, say whether the property is at the borrower’s address or describe it for box 8.
Your entries appear on the official Copy B as you type, and you can shorten the borrower’s TIN to its last four digits on their copy. The Instructions for Payer/Borrower from the back of Copy B come with it. When the required items are complete, download the PDF or print it. Need another form? Browse all tax form generators.
Form 1098 FAQ
Who has to file Form 1098?
Any person or business, including a financial institution, government unit, or cooperative housing corporation, that receives $600 or more of mortgage interest on one mortgage from an individual during the year in the course of its trade or business. The $600 test applies to each mortgage separately. Lenders also use it to report $600 or more of qualifying mortgage insurance premiums and refunds of overpaid interest.
When are Forms 1098 due?
Give the borrower Copy B by January 31. File Copy A with the IRS by February 28 on paper, or by March 31 if you e-file. A deadline that falls on a weekend or legal holiday moves to the next business day.
Can I send this download to the IRS?
No. The generator fills Copy B, the borrower’s copy. The IRS copy, Copy A, is machine-read, so it has to be e-filed through IRIS or mailed on the official red form with Form 1096. You must e-file if you file 10 or more information returns in total during the year.
Why do I have to enter the calendar year?
Form 1098 (Rev. April 2025) is a continuous-use form: the IRS reuses the same revision every year until it issues a new one, so the year isn’t preprinted. Enter the year the interest was received, for example 2026 for forms you send in early 2027.
What goes in boxes 2 and 3?
Box 2 is the outstanding principal on January 1, or on the date the mortgage was originated or acquired if that happened during the year. Box 3 is the date the mortgage originated with the original lender. If you bought the loan, put the date you acquired it in box 11, not box 3.
When should box 7 be checked?
Check box 7 when the property securing the mortgage has the same address as the borrower’s mailing address. Otherwise, enter the property’s address in box 8, or its jurisdiction and parcel number if it has no address. If several properties secure the loan, report one of them and enter the total number in box 9.
Can I hide part of the borrower’s SSN?
Yes. You may truncate the borrower’s TIN on the statement you give them, so it reads XXX-XX-1234. Tick that option in step 2. Truncation isn’t allowed on Copy A, and the lender’s TIN can never be truncated.
Is my information safe?
Yes. Everything you type stays in your browser: the PDF is created on your device, and no names, TINs, or amounts are uploaded to or saved by forms.app. Download the form before you close the page, because nothing is kept.
Is the Form 1098 generator free?
Yes. Fill out, download, and print as many Forms 1098 as you need at no cost, without signing up.
Your 1098 isn’t ready to print yet
Fill in the required fields on the page (the lender’s name, address, phone, and TIN, the borrower’s name, TIN, and address, the calendar year, and the interest received), then print again.