不能算贷款，你赚了34万, 25万以上的九万要交税

但是，你还可以减掉买房和卖房的费用，包括买房的贷款费用，卖房的代理费用，住房期间修理翻新，都可以从9万里面减去。

https://www.irs.gov/faqs/capital-gains-losses-and-sale-of-home/property-basis-sale-of-home-etc/property-basis-sale-of-home-etc-3

Question

If I sell my home and use the money I receive to pay off the mortgage, do I have to pay taxes on that money?

Answer

The amount of the proceeds from the sale of your home that you use to pay off the mortgage isn't a factor in figuring your taxable amount for the sale. Instead, the amount you realize on the sale of your home and the adjusted basis of your home are important in determining whether you're subject to tax on the sale.