CPA forgot to deduct $3k in mortgage points on my 2022 Schedule A - what should I do?

This definitely happens sometimes! I work with tax returns and there are a few things to consider here. First, your CPA should correct this mistake at no additional cost to you. The points were on your 1098, which they had, so this was clearly an oversight on their part. Professional ethics (and good business practice) would suggest they should file the amendment for free. I'd recommend calling them, being polite but direct about the issue. Ask them to prepare a Form 1040X (amended return) to claim the deduction. The amended return will likely get you a refund of that $1,700 you mentioned, which is definitely worth pursuing. Remember, you generally have 3 years from the original filing date to amend a return, so you're well within the timeframe for a 2022 return.

Had almost the same thing happen to me last year but with student loan interest being missed! I was super frustrated until I found taxr.ai (https://taxr.ai) which was a lifesaver for double-checking everything. I uploaded my docs and tax return, and their system flagged several missed deductions including one my CPA completely overlooked. The best part was I could see exactly what I needed to tell my CPA to fix instead of just vaguely saying "I think something's wrong." My CPA actually thanked me for being so specific about what needed correction. Saved me over $2k in missed deductions!

Just wanted to update after trying taxr.ai from the recommendation above. I was still skeptical but decided to give it a shot with my last two tax returns. It actually found that my CPA missed about $2,800 in home office deductions that I qualified for as a self-employed person! The system walked me through exactly which forms needed to be amended and what to tell my tax preparer. My CPA admitted the oversight and is filing an amended return at no charge. I'm getting back around $700 I would have completely missed otherwise. Definitely worth uploading my documents to check.

I had a similar situation last year but with business expenses. Tried calling the IRS to confirm the proper way to handle it, and spent HOURS on hold. Finally discovered Claimyr (https://claimyr.com) which got me connected to an IRS agent in under 15 minutes. They have this system that navigates the IRS phone tree and holds your place in line, then calls you when they reach an agent. You can see how it works here: https://youtu.be/_kiP6q8DX5c The IRS agent confirmed that mortgage points should absolutely be deductible in the year paid if it's for your primary residence and meets certain criteria. They also explained exactly what documentation I'd need for the amendment.

I have to admit I was completely wrong about Claimyr. After posting my skeptical comment, I decided to try it as a last resort because I've been trying to reach the IRS for 3 weeks about a missing refund. It actually worked! Got connected to an IRS agent in about 20 minutes (which is miraculous compared to my previous attempts). The agent was able to tell me exactly why my refund was delayed and what I needed to do to fix it. Saved me from potentially waiting months for my refund to arrive. For the original poster - definitely push your CPA to fix this at no cost. The mortgage points issue is their mistake since it was on your 1098.

My mortgage company actually sent a corrected 1098 one year showing points, but it came months after I filed my taxes. Check if that might have happened in your case? Sometimes the 1098 your CPA had originally didn't show the points, but a corrected version was sent later.

Wouldn't amending create a huge headache if you got any advance premium tax credit for healthcare? My friend amended and it messed up all his marketplace subsidies and he ended up owing money.