one get it right got the best answer let say, 2007, I'm buying a house that cost $145K with $29K(20%) down. 6.5% fix rate for 30 years. Monthly payment of $733 + insurance + property tax. 5years later, 2012, I want to sell this same house for $190K. How much money do I owe the bank, or do I get a extra money of it? Please show calculation, or how you fit it out?

Alright so you are actually financing $116,000. After five years you will owe $108,588.73 to the bank. You can sell the house for whatever you want, all you have to do is pay off the balance you owe. The way I got the answer was using a mortgage calculator with an amortization table. There's one located here http://myrealty.info/mortgagecalculator.html