@Carl wrote:
.....your more accurate gain is the 90K you pocketed, plus the mortgage payoff amount, minus the total interest paid on the loan in 2022.
The above-quaoted passage is not correct. As @NCperson stated, your mortgage has nothing to do with calculating the capital gain on the sale.
Capital gain would be your sales price (less selling expenses) minus your adjusted basis (typically your purchase price plus the cost of any improvements made) - disregard your mortgage in this calculation.
