Validate a 1098 CSV and download the matching IRIS template.
Mortgage interest statements requires a consistent file structure. This free browser tool preselects Form 1098 and compares your CSV with the bundled 1098 layout while checking several common structural issues.
✓ Your 1098 CSV stays in your browserUse the validator as a first check, not the final filing decision.
For mortgage interest statements, the exact required fields and accepted values come from the current IRS IRIS formatting guidelines. This page helps catch common CSV structure problems before you spend time in the portal.
- ✓Check the 1098 header layout
- ✓Find rows with the wrong number of columns
- ✓Review tax year and TIN formatting warnings
- ✓Identify files above the current 250-record CSV file limit
Need more than a quick CSV check?
1099ERICH adds the Windows workflow for importing, validating, printing recipient copies, and creating IRIS-ready filing files for 1098.
The bundled 1098 template contains 55 columns.
The free validator compares your header with that exact layout. In addition to payer/filer and recipient identity fields, the 1098 template includes form-specific columns such as:
- ✓Office Code
- ✓Form Account Number
- ✓Box 1 - Mortgage interest received from payer(s)/borrower(s)
- ✓Box 2 - Outstanding Mortgage Principal
- ✓Box 3 - Mortgage Origination Date
- ✓Box 4 - Refund of Overpaid Interest
Use the current template
Start with the bundled CSV layout so column names and order are predictable, then enter or export your filing data into that structure.
Download 1098 CSV TemplateUse the error troubleshooter before rebuilding the CSV.
Separate portal behavior from file-formatting problems and follow the IRS-specific checks for the symptom you see.
Questions about the free 1098 validator
What does the free 1098 CSV validator check?
The tool compares the header with the bundled 1098 CSV template, checks that data rows have a consistent number of columns, warns about more than 250 records, and performs several common tax-year and TIN format checks.
Does my 1098 CSV leave my computer?
No. The validator runs in your browser. Your selected CSV is not uploaded to 1099ERICH.com.
Does passing the validator guarantee IRS acceptance?
No. It is a pre-check. The IRS applies the final validation and acceptance rules, and IRIS formatting can change by processing year.
What if my 1098 CSV has more than 250 records?
Use the free IRIS CSV splitter to create smaller files or submission batches, then validate the resulting CSV files before upload.
Compare related information returns before you validate.
Use the comparison center if two forms have similar names or report different sides of the same account or transaction.
Use the 1098 correction guide after validation.
The correction path depends on whether IRIS accepted or rejected the original transmission.
Who commonly prepares Form 1098?
Check the full 1098 filing workflow.
The readiness guide adds recipient timing, IRS deadlines, extension planning and acknowledgement follow-up to this CSV check.
Prepare Form 1098 in the full 1099ERICH desktop workflow.
The free 1098 resources help with individual checks. 1099ERICH handles the repeatable workflow: import CSV or Excel data, validate and re-import, print recipient copies, and create IRIS-ready CSV files.