My 81 year old mother recently lost her husband. She wants to live with us, but our home isn't suitable, and hers isn't for all of us either. So we want to sell both of our homes and buy one together. Neither of our homes is worth much at all. We have very little equity, but do have other assets to use for downpayment. What is the best way to do this? We would like to both contribute to down payment, and then my husband and I would be responsible for the mortgage (mom's name would not be on the mortgage). Could this cause a problem if she had to go into a nursing home within the 5 year period? Our desire is to avoid this at any costs, and take care of her at home. But I know that may not be possible, and we don't want to be in the position of carrying a mortgage, and then having the state make us sell our home or something like that. None of us has much in the way of assets. It seems Ohio has some of the strictest Medicaid rules. Is a life estate or irrevocable trust a possible option? If not, what would be the best way to protect everyone involved?