I purchased my home in November 15th 2011. My first payment was then due on Jan 1, 2012. I made the payment on December 28th, 2011 and received a 1098 that included the interest I paid on the house in 2011. Since this was the only interest I paid on the house in 2011, I wasn't able to itemize my deductions for 2011 (thus not using the amounts on this 1098 for 2011) and am wondering if I can include the interest paid on December 28th for my first payment since it wasn't technically due till the 1st of January. I can understand if it's not, considering the interest was hypothetically accrued during the November and December days leading up to the payment, but I'm still holding out hope . Let me know your thoughts.