Yes, as long as you are listed on the loan you can deduct the mortgage interest and property taxes. You do not have to be on the 1098. You can split the amounts paid for things like mortgage interest, property taxes, loan origination fees (points) etc.

Can two people split mortgage interest?

How do we split the home mortgage interest deduction? No. There is no specific mortgage interest deduction unmarried couples can take. A general rule of thumb is the person paying the expense gets to take the deduction.

How do you split a house on your tax return?

If each taxpayer paid one-half of the mortgage and real estate tax expenses, then each Schedule A should reflect one-half as deductions. Both of you should attach a statement to your Schedules A explaining how you’re dividing the mortgage interest and payments of real estate taxes.