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What sort of equity does she have? Would you be able to rent it out which would provide additional income to pay for nursing home? Would renting it out cover all house expenses of payments, taxes insurance?
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If there is any chance that Mom will need Medicaid in the future you shouldn't use any of her money on the house. Once in a home all her money needs to be spent on her care. If she is never coming back, why not sell the house. But if u do, will need to sell it for Market value to eventually get Medicaid when money runs out.
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So just what is the long view, the long term plan on the house?
Does mom have oodles of $$$ so that she can cover NH, mortgage and property costs easily with no worry for years? So Medicaid never involved.
If mom has no $$, Can you afford to pay all costs with no set endpoint?

For an elder in a facility & on Medicaid, due to Medicaid’s copay / SOC (share of cost) and MERP / Estate Recovery requirements, keeping their home will be quite challenging.
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It can be in case there is a chance the parent will be able to come home. Or pay it for several months to see how she is doing to give yourself some time before making decisions. Are you capable of paying the monthly payment along with electric, water, garbage, insurance? Is your mom on medi-caid/called medi-cal in California? Think of all the different scenarios. Alot of questions you have to answer for yourself. If you decide to sell the house it will affect medi-caid. Consult Elder Law Attorney who specializes in medi-caid for options before making big decisions.
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