There are two issues here:
1). Does your mom give you the down payment all in cash format? or she get the money from a loan of her own home such as line of credit. If she gets this money from a LOC, she needs to make the payment.
In case she is sill and cannot make the payment then she may have problem. If she has the cash, then there is no problem.
2). If she is on title with you, then you need to see how you two hold the title.
Are you thinking of reverse mortgage? If the title of the house is in your name she does not have any right. But you may also think of this differently. What if something happens to you? If this money she is giving you is all she has, you have moral obligation to protect her if something happens to you. So my suggestion is to consult an attorney. It hopefully put both of your mind as easy once you have explored all situation with a good attorney.
She is a nice mom!
Prudential California Realty
Hope this helps.
This is a "what if" question. I would like to set up a situation where I can care for my mother as she ages. It seems like a house with an in-law unit or possibly a duplex makes sense, but my husband and I can't afford it without my mother pitching in. We would make the monthly payments if she gave us enough downpayment to make it feasible, and then she would have a place to stay for her remaining years (which could be up to 20 - she's pretty healthy). But are we at risk of losing our home if she runs out of money for her own medical care - I have heard horror stories about old people being forced to sell their property to qualify for nursing homes with state funding...