Your best bet is to speak to a CPA or financial planner.
You did not say where did the $45,000 profit come from? Typically, you don't have to pay capital gain taxes unless you gained more than $250,000 (as a single person, $500,000 married) on your principle residence. If the money is coming from a rental that your selling, the exemptionmay not apply.
Bernstein Realty, Inc.