To buy a $160,000 house, you take out a 7% (APR compounded monthly) mortgage for $130,000. Five years later, you sell the house for $205,000 (after all other selling expenses). What equity (the amount that you can keep before tax) would you realize with a 30-year repayment term? Note: For tax purpose, do not consider the time value of money on $30,000 down payment made five years ago