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Eva Rosenberg , an enrolled agent who maintains the site, warns of a typical problem she sees in states like New York and California, the place costs have risen a fair bit. People borrow against their homes, spending the money and draining the equity. Then, when they sell and receive, say, $50,000 after repaying their mortgage and residential fairness loans , they suppose that’s their capital achieve. But it surely isn’t, and typically their tax bill is actually much larger than that $50,000.