It's probably my lack of understanding of the Deductible Home Mortgage Interest Worksheet or some other operator error, but it does not seem that the deductible and disallowed interest amounts are correctly calculating on this worksheet. 

I have numerous clients who have taken home equity loans, which are not grandfathered loans.  A good bit of the loan proceeds have been used to pay personal expenses, therefore, interest on the personal portion of the loans should not qualify as deductible mortgage interest.  I have yet to have a situation where any of the interest is considered not deductible when (I believe) it should not be deductible.  This worksheet has been enhanced since 2019, but I am skeptical of the 2020 results.  Any similar experiences or advice?  Thanks very much.

Mike