先谢谢LZMM啦！我的问题是：我2011年买房贷了第一次款，同年refinance一次。现在收到两张1098表。我算了一下，第一次贷款的所有interests都包括在表中，可是第二次好像没有把prepaid的interests加入表中。不知道是我自己算错了，还是我可以根据HUD上的数据把第二次prepaid的interests加入1098表的数据中？

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首先是不可以自己改动的。这个1098是一式两份一份给你，一份寄往irs的。

至于prepaid interest. copy了一段irs的说明。你按照这个算算。看看能不能解答你的问题。

Report prepaid interest (other than points) only in the year in which it properly accrues.

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Example. Interest received on December 20, 2012, that accrues by December 31 but is not due until January 31, 2013, is reportable on the 2012 Form 1098.

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Exception. Interest received during the current year that will properly accrue in full by January 15 of the following year may be considered received in the current year, at your option, and is reportable on Form 1098 for the current year. However, if any part of an interest payment accrues after January 15, then only the amount that properly accrues by December 31 of the current year is reportable on Form 1098 for the current year. For example, if you receive a payment of interest that accrues for the period December 20 through January 20, you cannot report any of the interest that accrues after December 31 for the current year. You must report the interest that accrues after December 31 on Form 1098 for the following year.

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reference：

http://www.irs.gov/instructions/i1098/ar02.html .

如果你最后确定是错的，联系给你寄表的。