asked

I want to know if I am handling taxes correctly on my home (primary residence) for which my father, who doesn’t live here, cosigned with me on the mortgage because at the time (just after divorce) I could not qualify on my own. We hold the title as Joint Tenants With Right of Survivorship (JTWROS). My father has made zero financial contribution, and will not be doing so. I make all of the payments, pay all property taxes, and claim all tax deductions related to the mortgage and property. The second and more important part of this is, what happens when he dies? I know that title goes to me automatically, but isn’t there an adjustment then to the basis for his half of ownership? Also then are there any tax implications to his estate when he dies? Hopefully this won’t be for another 10 or 20 years, but I need to know because I am refinancing. I would like to keep it this way by trying to refinance on my own.

January 8th, 2024

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