My MIL was living in a home with holes in the floor, rats running all around, toilet not working etc. It was decided that she would sell her house and whatever she got for it would go towards us building a handicapped apartment onto our house for her. Her house sold last Sept. and building started in Oct. She has a 1000 square foot apartment that is 100% ADA compliant and it cost us $156,000 to build. She only received $94,000 for her home so she put that into the apartment. We paid for the extra. Now, she is not doing well and we see that she may end up in a nursing home sooner rather than later. I'm wondering if trying to take care of mom is going to end up really hurting us. If she ends up in a nursing home, are we responsible for paying her back the $94,000 that she put in if it happens before the 5 year look back period?