Tax Year 2026 Form 1099-A Filing

File Form 1099-A Online for 2026

Report the acquisition or abandonment of secured property with a simpler filing process. Prepare your Form 1099-A information, review borrower details, and manage your information returns with TaxZerone

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✓IRS-authorized
✓SOC 2 Type II
✓Simplified filing
✓Secure Recipient Copies

CORRECTED (if checked)

LENDER'S name, street address, city or town, state or province, country, ZIP or foreign postal code, and telephone no.

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​

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LENDER'S TIN

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BORROWER'S TIN

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BORROWER'S name

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Street address (including apt. no.)

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City or town, state or province, country, and ZIP or foreign postal code

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Account number (see instructions)

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OMB No. 1545-0877

Form1099-A

(Rev. April 2025)

For calendar year

20

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1 Date of lender's acquisition or knowledge of abandonment

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2 Balance of principal outstanding

$

​

3

4 Fair market value of property

$

​

5 If checked, the borrower was personally liable for repayment

of the debt

▶

​

6 Description of property

​

Acquisition or
Abandonment of
Secured Property

Copy B

For Borrower

This is important tax
information and is being
furnished to the IRS. If
you are required to file a
return, a negligence
penalty or other
sanction may be
imposed on you if
taxable income results
from this transaction
and the IRS determines
that it has not been
reported.

Form1099-A(Rev. 4-2025)(keep for your records)

www.irs.gov/Form1099A

Department of the Treasury - Internal Revenue Service

Start at just $2.49, with bulk filing prices as low as $0.59 per form.

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✦Bulk upload✦TIN matching✦Data validation✦Federal e-filing✦State filing✦Schedule filing✦ZeroneVault delivery✦Print and mail✦Bulk upload✦TIN matching✦Data validation✦Federal e-filing✦State filing✦Schedule filing✦ZeroneVault delivery✦Print and mail
1099-A Basics

What is Form 1099-A?

Form 1099-A, Acquisition or Abandonment of Secured Property, is an IRS information return used by lenders to report when they acquire an interest in property securing a debt or have reason to know that the borrower has abandoned the property.

The form provides information about the outstanding principal balance, the property's fair market value, and the date of acquisition or known abandonment. Borrowers may use this information when determining the tax consequences of the property transfer or abandonment.

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Form 1099-A

2026

Recipient

John Doe

TIN

XXX-XX-1234

Box 1, Date of lender’s acquisition or knowledge of abandonment

03/15/2026

Box 2, Balance of principal outstanding

$185,000

Box 4, Fair market value of property

$172,500

Box 5, Borrower personally liable for repayment of the debt

✓ Yes

✓ Ready for filing
Filing Basics

Who files Form 1099-A and who receives it?

Understand when lenders must report secured property transactions and who receives Form 1099-A.

Who Must File Form 1099-A?

Lenders engaged in a trade or business generally need to file Form 1099-A when they acquire an interest in secured property or know, or have reason to know, that the borrower has abandoned it, subject to IRS reporting rules.

  • ✓
    Banks and financial institutions
  • ✓
    Mortgage lenders
  • ✓
    Businesses that lend money in the course of their trade or business
  • ✓
    Other qualifying lenders holding debt secured by property

Who receives Form 1099-A?

The borrower associated with the secured debt generally receives a copy when the lender is required to file the form.

  • ✓
    Individual borrowers
  • ✓
    Business borrowers
  • ✓
    Property owners whose secured property is acquired by a lender
  • ✓
    Borrowers who have abandoned property securing a debt
Important Dates

2026 Form 1099-A filing deadlines

Keep your interest reporting on schedule with these important Tax Year 2026 dates.

FEBRUARY 2027

MONDAY

1

Filing Deadline

Recipient Copies

February 1, 2027

Furnish Form 1099-A copies to borrowers by the applicable deadline.

Electronic filing

March 31, 2027

Applicable deadline for e-filing Form 1099-A with the IRS.

Stay organized by gathering borrower details, reviewing property information, and preparing your forms ahead of the deadline

Explore 1099-A deadlines

Need an Extension to File with the IRS?

Request an extension to file Form 1099-A with the IRS electronically using Form 8809.

Need an Extension to Furnish Recipient Copies?

Request an extension to furnish Form 1099-A recipient copies using Form 15397.

Request an Extension now
Filings Requirements

What information do you need?

Gather these details before preparing your Form 1099-A returns.

Payer Information

  • Business or lender name
  • Employer Identification Number (EIN)
  • Lender address
  • Contact information, where required

Recipient Information

  • Borrower's legal name
  • Borrower's taxpayer identification number (TIN)
  • Borrower's address
  • Account number, when applicable

Payment Information

  • Date of acquisition or known abandonment
  • Outstanding principal balance
  • Fair market value of the property
  • Personal liability status
  • Description of the secured property
How it Works

How to e-file Form 1099-A

File your forms through a simple prepare-to-submit workflow.

STEP 01

Enter or Upload

Enter lender and borrower information manually or import records using supported file formats.

STEP 02

Review & Validate

Review taxpayer identification details, property information, acquisition or abandonment dates, and financial amounts. Correct missing or inaccurate information before submission.

STEP 03

E-file & Deliver

Submit Form 1099-A electronically to the IRS and furnish the required borrower statement electronically through ZeroneVault or by mail

Start filing Now
1099-A Filing Features

Everything you need for 1099-A filing

Tools to help organize information, review records, and manage information return filing.

Bulk upload

Import multiple records using supported file formats to reduce repetitive data entry.

Data Validation

Review lender details, borrower information, dates, and financial amounts before filing

TIN Matching

Use available TIN Matching services to help identify taxpayer identification mismatches, where supported and appropriate.

1099-A Corrections

Prepare corrected forms when previously submitted information needs to be updated.

Federal filing

Electronically submit Form 1099-A to the IRS and manage your filing status.

Schedule filing

Prepare forms in advance and schedule submissions for a later date, where available

Recipient Copies

Deliver recipient copies electronically through ZeroneVault or choose postal mailing for physical copies.

Filing Status Tracking

Monitor available submission and processing status information to keep filing activities organized.

Schedule filing

Prepare Today. Schedule Your Filing.

Prepare your Form 1099-A returns in advance and schedule submission for a later date, where available.

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Organize property records ahead of deadlines

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Review borrower information in advance

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Reduce last-minute preparation

✓

Keep reporting activities organized

Filing Schedule

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Prepared

Scheduled

Recipient Copies

Share 1099-A copies with borrowers

Complete the reporting process by furnishing required Form 1099-A statements to borrowers securely and conveniently.

ZeroneVault

Secure Delivery via ZeroneVault

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Convenient Online Access: Give borrowers access to their statements electronically, where supported.

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Secure Delivery: Help protect sensitive borrower information during electronic delivery.

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Download and Print: Allow recipients to access and retain their statements.

Traditional Postal Mailing

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Physical Copy Delivery: Send printed Form 1099-A statements to borrowers who need paper copies.

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Convenient Mailing: Use the available mailing service to help manage recipient-copy delivery.

✓

Timely Furnishing: Plan delivery around the applicable IRS deadline.

Form 1099-A Pricing

Calculate Your Form 1099-A Filing Cost

Enter your number of Form 1099-A forms and see your estimated filing cost instantly. Add optional services if needed.

Form 1099-A E-filing

Price per form
Number of FormsPrice per form
1 to 25$2.49
26 to 50$1.99
51 to 100$1.59
101 to 250$1.29
251 to 500$1.09
501 to 1000$0.79
1001 and above$0.59

How many forms are you filing?

Add optional Services

pay only what you need

State Filing

File Form 1099-A forms with applicable states

$0.99/form

$0.99

Print & Mail

Mail physical Form 1099-A copies to employees.

$1.75/form

$1.75

ZeroneVault

Securely deliver employee Form 1099-A copies electronically.

$0.50/form

$0.50

Forms

1 × $2.49

Selected add-ons

None

Add-on cost

$0.00

Total Price

Based on your selected services

$2.49

Common Use Case
Mortgage Foreclosure
Abandoned Property
Property Acquired
by a Lender
Commercial Property
Repossession
Voluntary Property Transfer
Reporting Secured
Debt Transactions

Use Cases

Common Use Cases for Form 1099-A

Form 1099-A helps lenders report when secured property is acquired or abandoned. Explore common situations where this form may be required.

✓

Mortgage Foreclosure

✓

Abandoned Property

✓

Property Acquired by a Lender

✓

Voluntary Property Transfer

✓

Commercial Property Repossession

✓

Reporting Secured Debt Transactions

Comparisons

Competitor Comparison: Why TaxZerone Stands Out

FeatureTaxZeroneOther E-file PlatformsManual Filing (Paper)

IRS-Authorized

Yes

Varies

No

Real-Time Error Validation

Built-in IRS checks

Limited

Error-prone

Bulk Upload Support

Excel template import

May charge extra

Not available

State Filing Integration

Supported

Not always included

Manual submission

Pricing (per form)

From $0.59 (1000+)

Typically $1–$5+

Printing & mailing costs

Delivery Options

Digital + Postal

Often limited to email only

Must be mailed manually

Recipient Access Portal

ZeroneVault

Not included

Not applicable

Filing Scheduler

Schedule ahead

Rare feature

Must track dates manually

Customer Support

U.S.-based support

Limited or outsourced

No help available

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FAQs

Your Form 1099-A questions, answered

Find answers to common questions about IRS Form 1099-A, including its purpose, the difference between Forms 1099-A and 1099-C, filing requirements, and how to interpret key boxes on the form.

Both Form 1099-A and Form 1099-C are IRS information returns issued by lenders, but they deal with different parts of a financial default, foreclosure, or loan settlement.

The core difference is that 1099-A deals with the property, while 1099-C deals with the debt.

Quick Comparison Table

FeatureForm 1099-AForm 1099-C
Full TitleAcquisition or Abandonment of Secured PropertyCancellation of Debt
Main PurposeReports that a lender took back property (like a house or car) or that a borrower abandoned it.Reports that a lender has forgiven or canceled a specific amount of debt.
Common TriggerForeclosure, repossession, or a deed-in-lieu of foreclosure.Debt settlement, bankruptcy, or post-foreclosure debt write-offs.
Tax ImplicationHelps calculate a potential capital gain or loss on the transfer of the property.The canceled amount may be treated by the IRS as taxable "Cancellation of Debt" (COD) income.

IRS Form 1099-A (Acquisition or Abandonment of Secured Property) is an informational tax document issued by lenders (such as banks or mortgage companies).

Purpose of Form 1099-A

The primary purpose of the form is to notify both the IRS and the borrower that a lender has taken ownership of a property that was used as collateral for a loan, or that the property has been abandoned. It provides critical financial details—such as the date of the event, the remaining loan balance, and the property's fair market value—which are necessary to calculate any potential tax gains, losses, or other tax obligations.

When Is It Use:

A lender is required to issue Form 1099-A under specific circumstances involving a secured debt:

  • Foreclosure: When a lender takes back real estate (like a home) because the borrower defaulted on the mortgage payments.
  • Repossession: When a lender takes back personal property (such as a vehicle or other collateral) due to non-payment.
  • Abandonment: When the lender has reason to know that the borrower has voluntarily given up and walked away from the secured property.

IRS Form 1099-A (Acquisition or Abandonment of Secured Property) is sent to you by a lender (like a bank or mortgage company) when they take back property—such as a home or a car—through foreclosure or repossession, or if they have reason to believe you have abandoned it.

The primary purpose of the form is to provide you and the IRS with the financial details needed to figure out if the event results in a taxable capital gain, a loss, or potential cancellation-of-debt income.

Key section of Form 1099-A:

The form breaks down the event using specific numbered boxes:

Box 1: Date of Acquisition or Abandonment

This is the date the lender acquired the property or learned that you had abandoned it.

Box 2: Principal Balance

The remaining unpaid principal balance on your loan as of the date in Box 1.

Note: This typically includes just the principal, not extra fees, penalties, or accumulated interest.

Box 4: Fair Market Value (FMV)

The estimated market value of the property when the lender acquired it

Box 5: Check if the borrower was personally liable for repayment of debt

If this box is checked, you had a recourse loan , meaning you were personally responsible for paying back the debt.

Box 6: Description of property

A brief description of the asset involved, such as a street address for a home or a make and model for a vehicle.