Taxes, Deductions & Homeownership

Homeownership can affect your taxes in ways that surprise a lot of buyers and sellers. This module isn't tax advice — it's the list of questions worth bringing to your CPA or tax preparer so nothing gets missed.

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Who This Lesson Is For

  • Renters: you want to know what tax questions to ask before you buy, so you understand the full picture, not just the mortgage payment.
  • Current homeowners thinking of moving: you want to understand how selling your home could affect your taxes this year.
  • Homeowners who just want better money habits: you're not sure if you're getting the most out of the deductions available to you as an owner.

Key Lessons in This Module

  • Learn what's commonly deductible for homeowners, like mortgage interest and property taxes, and what changed under recent tax law.
  • Understand capital gains on a home sale and the common exclusion for a primary residence.
  • Know what records to keep on home improvements, since they can affect your tax basis when you sell.
  • Get a simple list of questions to bring to a licensed tax professional based on your specific situation.

How This Plays Out

A first-time buyer in Fargo brings a short list of questions to their tax preparer before closing and learns exactly how mortgage interest and property tax deductions could affect their return the following spring.

A move-up seller in West Fargo checks in with a CPA before listing to confirm how much of their gain, if any, would be taxable, and times the sale accordingly.

A past client who already owns their home starts keeping receipts for a kitchen remodel after learning it could reduce their taxable gain whenever they eventually sell.

Important Note

This module is educational only and isn't tax advice. Tax rules change and every situation is different, so always confirm your specific numbers with a licensed CPA or tax professional before making decisions.

What's Next

With the tax picture in mind, it's time to make sure what you're building is protected. Continue to Module 9: Insurance, Protection & Peace of Mind, or head back to the Financial Bootcamp hub to choose a different track. You can also schedule a 1:1 strategy session with Rochelle any time.