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La compra de tu primera vivienda

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • December 11, 2023 3:17 PM
OVERVIEW

Comprar tu primera vivienda es un gran paso, pero las deducciones de impuestos disponibles para ti como propietario pueden reducir tu factura de impuestos.

Una mujer sonriente envuelve un regalo en el suelo de su salón.

Puntos Clave

  • En los años tributarios previos al 2018, puede deducir intereses sobre hasta $1,000,000 de deuda utilizada para comprar, construir o mejorar tu hogar. Para los años tributarios posteriores al 2017, el límite ha sido reducido a $750,000 de deuda para contratos vinculantes o préstamos originados después del 16 de diciembre de 2017.  
  • Si pagaste “puntos” a tu prestamista, los puntos son deducibles como interés siempre y cuando el efectivo que hayas pagado durante el cierre a través de tu pago de enganche sea igual o mayor a los puntos.  
  • Puedes deducir hasta $10,000 de tus impuestos sobre la propiedad locales que pagues por año tributario.   
  • Si luego vendes la propiedad generando una ganancia, hasta $250,000 de la ganancia ($500,000 si eres casado y presentas una declaración en conjunto) son libres de impuestos si se cumplen ciertas condiciones.

Poseer una vivienda y tus impuestos

Al comprar una vivienda, empiezas a acumular plusvalía en una inversión en lugar de pagar un alquiler. Y el Tío Sam puede ayudarte a aliviar el dolor de los elevados pagos hipotecarios. Las deducciones de impuestos de las que ahora dispones como propietario de una vivienda reducirán considerablemente tu factura de impuestos.

Las deducciones tributarias ayudan con el costo de la hipoteca

Si hasta ahora has reclamado la deducción estándar, con las deducciones adicionales por ser propietario de una vivienda seguramente comenzarás a reclamar deducciones detalladas. Ahora, los impuestos estatales que pagas y las donaciones caritativas también serán deducciones que te ahorrarán impuestos. Así que asegúrate de conocer todas estas ventajas de impuestos que pueden estar a tu disposición.

Intereses hipotecarios

Para la mayoría de las personas, la mayor ventaja de impuestos por tener una vivienda proviene de la deducción de los intereses hipotecarios. Para los años tributarios anteriores a 2018, puedes deducir intereses sobre un máximo de $1,000,000 de deuda usada para adquirir o mejorar tu casa.

Para los años tributarios posteriores a 2017, el límite se reduce a $750,000 de deuda para contratos vinculantes o préstamos originados después del 16 de diciembre de 2017. Para los préstamos anteriores a esta fecha, el límite es de $1,000,000. Tu prestamista te enviará en enero el Formulario 1098 con los intereses hipotecarios que pagaste durante el año anterior. Esa es la cantidad que deduces en el Anexo A. Asegúrate de que el Formulario 1098 incluya todos los intereses que hayas pagado desde la fecha de cierre de la compra de la vivienda hasta el final de ese mes. Esta cantidad debe figurar en el informe de las operaciones de cierre de la compra de la vivienda. Puedes deducirla, aunque el prestamista no la incluya en el Formulario 1098. Si estás en la categoría tributaria del 25 %, deducir los intereses significa básicamente que el Tío Sam paga el 25 % por ti.

Puntos

Al comprar una vivienda, es posible que tengas que pagar "puntos" al prestamista para conseguir tu hipoteca. Este cargo suele expresarse como un porcentaje de la cantidad del préstamo. Si el préstamo está respaldado por tu vivienda y la cantidad de puntos que pagas es común en tu zona, estos son deducibles como intereses siempre que lo que hayas pagado por medio del anticipo en el momento del cierre sea igual a los puntos.

Por ejemplo, si pagaste dos puntos (2 %) por una hipoteca de $300,000, es decir, $6,000, puedes deducir los puntos siempre que pongas al menos $6,000 de tu propio dinero en la operación. Y, aunque no lo creas, puedes deducir los puntos aunque hayas convencido al vendedor de que los pagara por ti como parte del trato. La cantidad deducible debe figurar en el Formulario 1098.

Impuestos sobre bienes raíces

También puedes deducir los impuestos locales sobre la propiedad que pagas cada año. Si pagas los impuestos a través de una cuenta de depósito en garantía, la cantidad puede figurar en el formulario que recibes de tu prestamista. Sin embargo, si los pagas directamente al municipio, revisa tus registros o el registro de tu chequera. En el año en que compraste tu vivienda, es probable que hayas reembolsado al vendedor los impuestos sobre bienes raíces que este había pagado durante un periodo en que tú eras propietario de la vivienda.

En ese caso, esa cantidad aparecerá en el informe de las operaciones de cierre. Incluye esta cantidad en tu deducción del impuesto sobre la propiedad. Toma en cuenta que no podrás deducir los pagos a tu cuenta de depósito en garantía como impuestos sobre bienes raíces. Tus depósitos son simplemente dinero reservado para cubrir futuros pagos de impuestos. Solo puedes deducir las cantidades reales del impuesto sobre bienes raíces pagadas con dinero de la cuenta durante el año.

A partir de 2018, la cantidad máxima de impuestos estatales y locales, incluidos los impuestos sobre la propiedad, es $10,000 por año tributario.

Primas de seguro hipotecario

Los compradores que pagan un anticipo inferior al 20 % del costo de la vivienda suelen verse obligados a pagar primas de un seguro hipotecario, que es un cargo adicional que protege al prestamista si el prestatario no paga el préstamo. En el caso de hipotecas emitidas en 2007 o después, los compradores de vivienda pueden deducir las primas. Esta deducción fue extendida hasta 2021 pero no está disponible después.

Esta deducción se reduce a medida que el ingreso bruto ajustado aumenta por encima de los $50,000 en el caso de los matrimonios que declaran por separado y por encima de los $100,000 en el resto de las declaraciones. (Si estás pagando el seguro hipotecario por una hipoteca emitida antes de 2007, no tienes suerte en este caso).

Nota de TurboTax:

No tienes que esperar hasta que presentes tu declaración de impuestos para ver los ahorros de poseer una vivienda. Puedes comenzar a colectar los ahorros inmediatamente mediante ajustar tu retención de impuestos federales en tu trabajo para aumentar la paga que te llevas a casa sin añadir una deuda tributaria al final del año.

Distribuciones IRA sin multa para compradores de primera vivienda

Como incentivo adicional para los compradores de vivienda, la multa normal del 10 % para los retiros de cuentas IRA tradicionales efectuados antes de los 59 ½ años de edad no se aplica a los compradores de su primera vivienda que recurren a sus cuentas IRA para pagar el anticipo.

  • Sin embargo, esta excepción a la multa del 10 % no es válida para retiros de cuentas 401(k).

Puedes retirar hasta $10,000 de tu cuenta IRA sin multa para ayudar a comprar o construir tu primera vivienda, la de tu cónyuge, la de tus hijos, la de tus nietos o incluso la de tus padres.

  • Sin embargo, el límite de $10,000 es un límite de por vida, no un límite anual. (Si eres una persona casada, tú y tu cónyuge tienen acceso a $10,000 de fondos de sus cuentas IRA libres de multa por persona).
  • Para calificar, los fondos se deben usar para comprar o construir una primera vivienda dentro de 120 días desde que se retiraron los fondos.

Pero ten en cuenta esto: en realidad, no es necesario ser un comprador de primera vivienda para calificar. Se te considera un comprador de primera vivienda siempre que no hayas sido propietario de una vivienda durante dos años. Eso suena muy bien, pero tiene un serio inconveniente.

  • Si bien la multa del 10 % no se cobra, de todos modos se deben pagar impuestos sobre los fondos al nivel tributario más alto (excepto al grado que haya sido atribuible a contribuciones no deducibles).
  • Eso significa que hasta un 40 % o más de los $10,000 podría ser capital de impuestos federales y estatales en lugar de capital para el enganche. De modo que solo considera retirar dinero de tu cuenta IRA para un pago de enganche si es absolutamente necesario.

También hay un corolario de esta regla con relación a las cuentas Roth IRA. Por la forma en que funcionan las reglas, la cuenta Roth IRA es una excelente forma de ahorrar para una primera vivienda.

  • En primer lugar, siempre puedes retirar tus contribuciones a una cuenta Roth IRA libres de impuestos (y, por lo general, sin multas) en cualquier momento y por cualquier motivo.
  • Y una vez que la cuenta lleve cinco años desde que se estableció, también puedes retirar, libres de impuestos y multas, hasta $10,000 de ganancias para la compra de una primera vivienda que califique.

Mejoras al hogar

Guarda los recibos y registros de todas las mejoras que realices en tu casa, como jardinería, ventanas contra tormentas, vallas, una nueva caldera de bajo consumo energético y cualquier tipo de ampliación.

No podrás deducir estos gastos ahora, pero, cuando vendas tu casa, el costo de las mejoras se sumará al precio de compra de la vivienda para determinar la base de su costo con fines tributarios. Aunque la mayor parte de la ganancia de la venta de la vivienda ahora está libre de impuestos, es posible que el IRS reclame parte de tu ganancia cuando la vendas. Llevar un registro de la base de costo te ayudará a limitar la posible factura de impuestos.

Créditos por energía

Algunas mejoras de ahorro energético en tu residencia principal pueden suponer una ventaja de impuestos adicional en forma de crédito tributario por energía de hasta $500. Un crédito tributario es más valioso que una deducción, porque el crédito reduce tu factura de impuestos dólar por dólar.

Puedes obtener un crédito de hasta el 10 % del costo de tragaluces, puertas y ventanas exteriores, sistemas de aislamiento y techos que cumplan con los requisitos de eficiencia energética, así como acondicionadores de aire centrales, bombas de calor, hornos, calderas y calentadores de agua que califiquen.

Existe un crédito completamente independiente que equivale al 30 % (en 2022) del costo de sistemas de generación solares calificados.

Ganancia sobre la venta libre de impuestos

Otra de las grandes ventajas de ser propietario de una vivienda es que la legislación sobre impuestos te permite eximir de impuestos una gran cantidad de la ganancia si se cumplen ciertas condiciones. Si eres soltero, eres el propietario de la vivienda y has vivido en ella durante al menos dos de los cinco años anteriores a la venta, no pagarás impuestos en hasta $250,000 de ganancia. Si eres casado y presentas una declaración conjunta, hasta $500,000 de ganancia son libres de impuestos si uno de los cónyuges (o ambos) fue propietario de la casa como vivienda principal durante dos de los cinco años anteriores a la venta y si ambos cónyuges vivieron en ella durante dos de los cinco años anteriores a la venta.

Por lo tanto, en la mayoría de los casos, los contribuyentes no deben impuestos sobre la ganancia producida por la venta de la vivienda. (Sin embargo, si la vendiste a pérdida, no puedes deducir la pérdida).

Puedes utilizar esta exclusión más de una vez. De hecho, puedes utilizarla cada vez que vendas una vivienda principal siempre que hayas sido propietario y hayas vivido en ella durante dos de los cinco años anteriores a la venta y no hayas usado la exclusión para otra vivienda en los dos últimos años. Si la ganancia supera el límite de $250,000/$500,000, el exceso se declara como ganancia de capital en el Anexo D.

En determinados casos, puedes tratar parte de tu ganancia como libre de impuestos incluso si no cumples con el requisito de dos de cinco años. Existe una exclusión parcial si vendes tu vivienda "antes de tiempo" debido a un cambio de empleo, una cuestión de salud u otras situaciones imprevistas, como un divorcio o un parto múltiple de un solo embarazo.

Una exclusión parcial significa que obtienes parte de la exclusión de $250,000/$500,000. Si reúnes los requisitos para una de las excepciones y has vivido en la casa durante uno de los cinco años anteriores a la venta, por ejemplo, puedes excluir hasta $125,000 de la ganancia si eres soltero o $250,000 si eres casado (es decir, el 50 % de la exclusión de los que cumplen el requisito de dos de cinco años).

Ajustar tus retenciones

Si tu nueva vivienda aumenta la cantidad de tu deducción de intereses hipotecarios o te convierte en contribuyente con deducciones detalladas por primera vez, no tienes que esperar a presentar tu declaración de impuestos para ver el ahorro. Puedes empezar a ahorrar desde ahora si ajustas las retenciones del impuesto federal sobre los ingresos en tu trabajo, lo que aumentará tus ingresos netos. Consigue un Formulario W-4 y las instrucciones correspondientes de tu empleador o en www.irs.gov.

Con TurboTax Live Full Service, un experto bilingüe local elegido para tu situación particular hará que tus impuestos estén 100 % correctos. Tu experto puede trabajar contigo en tiempo real y maximizar tus deducciones buscando cada dólar que te mereces, garantizado.

También puedes presentar tus impuestos por tu cuenta con TurboTax en español Deluxe. Buscaremos entre más de 350 deducciones y créditos para que no te pierdas nada.

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  • Smart Insights: Individual taxes only. Included with TurboTax Deluxe, Premium, TurboTax Live, TurboTax Live Full Service, or with PLUS benefits, and is available through 11/1/2024. Terms and conditions may vary and are subject to change without notice.

  • My Docs features: Included with TurboTax Deluxe, Premium TurboTax Live, TurboTax Live Full Service, or with PLUS benefits and is available through 12/31/2024. Terms and conditions may vary and are subject to change without notice.

  • Tax Return Access: Included with all TurboTax Free Edition, Deluxe, Premium, TurboTax Live, TurboTax Live Full Service customers and access to up to the prior seven years of tax returns we have on file for you is available through 12/31/2024. Terms and conditions may vary and are subject to change without notice.

  • Easy Online Amend: Individual taxes only. Included with TurboTax Deluxe, Premium, TurboTax Live, TurboTax Live Full Service, or with PLUS benefits. Make changes to your 2023 tax return online for up to 3 years after it has been filed and accepted by the IRS through 10/31/2026. Terms and conditions may vary and are subject to change without notice. For TurboTax Live Full Service, your tax expert will amend your 2023 tax return for you through 11/15/2024. After 11/15/2024, TurboTax Live Full Service customers will be able to amend their 2023 tax return themselves using the Easy Online Amend process described above.

  • #1 best-selling tax software: Based on aggregated sales data for all tax year 2022 TurboTax products.

  • #1 online tax filing solution for self-employed: Based upon IRS Sole Proprietor data as of 2023, tax year 2022. Self-Employed defined as a return with a Schedule C tax form. Online competitor data is extrapolated from press releases and SEC filings. “Online” is defined as an individual income tax DIY return (non-preparer signed) that was prepared online & either e-filed or printed, not including returns prepared through desktop software or FFA prepared returns, 2022.

  • CompleteCheck: Covered under the TurboTax accurate calculations and maximum refund guarantees. Limitations apply. See Terms of Service for details.
  • TurboTax Premium Pricing Comparison: Cost savings based on a comparison of TurboTax product prices to average prices set forth in the 2020-2021 NSA Fees-Acct-Tax Practices Survey Report.

  • 1099-K Snap and Autofill: Available in mobile app and mobile web only.

  • 1099-NEC Snap and Autofill: Available in TurboTax Premium (formerly Self-Employed) and TurboTax Live Assisted Premium (formerly Self-Employed). Available in mobile app only. Feature available within Schedule C tax form for TurboTax filers with 1099-NEC income.

  • Year-Round Tax Estimator: Available in TurboTax Premium (formerly Self-Employed) and TurboTax Live Assisted Premium (formerly Self-Employed). This product feature is only available after you finish and file in a self-employed TurboTax product.

  • **Refer a Friend: Rewards good for up to 20 friends, or $500 - see official terms and conditions for more details.

  • Refer your Expert (Intuit’s own experts): Rewards good for up to 20 referrals, or $500 - see official terms and conditions for more details.

  • Refer your Expert (TurboTax Verified Independent Pro): Rewards good for up to 20 referrals, or $500 - see official terms and conditions for more details

  • Average Refund Amount: Sum of $3140 is the average refund American taxpayers received based upon IRS data date ending 2/17/23 and may not reflect actual refund amount received.

  • Average Deduction Amount: Based on the average amount of deductions/expenses found by TurboTax Self Employed customers who filed expenses on Schedule C in Tax Year 2022 and may not reflect actual deductions found.

  • More self-employed deductions based on the median amount of expenses found by TurboTax Premium (formerly Self Employed) customers who synced accounts, imported and categorized transactions compared to manual entry. Individual results may vary.

  • TurboTax Online Business Products: For TurboTax Live Assisted Business and TurboTax Full Service Business, we currently don’t support the following tax situations: C-Corps (Form 1120-C), Trust/Estates (Form 1041), Multiple state filings, Tax Exempt Entities/Non-Profits, Entities electing to be treated as a C-Corp, Schedule C Sole proprietorship, Payroll, Sales tax, Quarterly filings, and Foreign Income. TurboTax Live Assisted Business is currently available only in AK, AZ, CA, CO, FL, GA, IL, MI, MO, NC, NV, NY, OH, PA, SD, TX, UT, VA, WA, and WY.

  • Audit Defense: Audit Defense is a third-party add-on service provided, for a fee, by TaxResources, Inc., dba Tax Audit. See Membership Agreements at https://turbotax.intuit.com/corp/softwarelicense/ for service terms and conditions. 

TURBOTAX DESKTOP GUARANTEES

TurboTax Desktop Individual Returns:

  • 100% Accurate Calculations Guarantee – Individual Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we’ll pay you the penalty and interest. Excludes payment plans. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.

  • Maximum Refund Guarantee / Maximum Tax Savings Guarantee - or Your Money Back – Individual Returns: If you get a larger refund or smaller tax due from another tax preparation method by filing an amended return, we'll refund the applicable TurboTax federal and/or state software license purchase price you paid. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.

  • Audit Support Guarantee – Individual Returns: If you receive an audit letter from the IRS or State Department of Revenue based on your 2023 TurboTax individual tax return, we will provide one-on-one question-and-answer support with a tax professional, if requested through our Audit Report Center, for audited individual returns filed with TurboTax Desktop for the current 2023 tax year and, for individual, non-business returns, for the past two tax years (2021, 2022). Audit support is informational only. We will not represent you before the IRS or state tax authority or provide legal advice. If we are not able to connect you to one of our tax professionals, we will refund the applicable TurboTax federal and/or state license purchase price you paid. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.

  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt.

TurboTax Desktop Business Returns:

  • 100% Accurate Calculations Guarantee – Business Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we’ll pay you the penalty and interest. Excludes payment plans. You are responsible for paying any additional tax liability you may owe. Additional terms and limitations apply. See License Agreement for details.

  • Maximum Tax Savings Guarantee – Business Returns: If you get a smaller tax due (or larger business tax refund) from another tax preparation method using the same data, TurboTax will refund the applicable TurboTax Business Desktop license purchase price you paid. Additional terms and limitations apply. See License Agreement for details.

  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt.

TURBOTAX DESKTOP

  • Installation Requirements: Product download, installation and activation requires an Intuit Account and internet connection. Product limited to one account per license code. You must accept the TurboTax License Agreement to use this product. Not for use by paid preparers.

  • TurboTax Desktop Products: Price includes tax preparation and printing of federal tax returns and free federal e-file of up to 5 federal tax returns. Additional fees may apply for e-filing state returns. E-file fees may not apply in certain states, check here for details. Savings and price comparison based on anticipated price increase. Software updates and optional online features require internet connectivity.

  • Fastest Refund Possible: Fastest federal tax refund with e-file and direct deposit; tax refund time frames will vary. The IRS issues more than 9 out of 10 refunds in less than 21 days.

  • Average Refund Amount: Sum of $3140 is the average refund American taxpayers received based upon IRS data date ending 02/17/23 and may not reflect actual refund amount received.

  • TurboTax Product Support: Customer service and product support hours and options vary by time of year.

  • #1 Best Selling Tax Software: Based on aggregated sales data for all tax year 2022 TurboTax products.

  • Deduct From Your Federal or State Refund (if applicable): A $40 Refund Processing Service fee may apply to this payment method. Prices are subject to change without notice.

  • Data Import: Imports financial data from participating companies; Requires Intuit Account. Quicken and QuickBooks import not available with TurboTax installed on a Mac. Imports from Quicken (2021 and higher) and QuickBooks Desktop (2021 and higher); both Windows only. Quicken import not available for TurboTax Desktop Business. Quicken products provided by Quicken Inc., Quicken import subject to change.

  • Audit Defense: Audit Defense is a third-party add-on service provided, for a fee, by TaxResources, Inc., dba Tax Audit. See Membership Agreements at https://turbotax.intuit.com/corp/softwarelicense/ for service terms and conditions.

All features, services, support, prices, offers, terms and conditions are subject to change without notice.

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