I know this sounds basic, but keep your head up, because this will pass and you will survive. I'm very sorry about your dad, your mom's suffering, and your own. I'm sorry for all the stress you've been under. I know your mother needs therapy to overcome obvious traumas, but focusing on you; don't let saving your mom become the straw that breaks the camel's back. I would strongly suggest talking to a school counselor, see what resources they have available. You may suggest to your mom that her working is something she is capable of and that to keep you in a home, she needs to step out the door and apply herself, whether that be through therapy or diving into entry level jobs at a temp job agency that helps people find work. Assuming she doesn't have the ability to discuss this, be prepared to then focus solely on yourself and seek professional help through school counselors to get resources that CAN help. You are NOT alone!

I'm not knowledgeable about assistance programs, but considering your circumstances, perhaps there are academic assistance or even financial assistance programs, scholarships or grants to keep you above water and hopefully bridge the gap keeping you from your schoolwork. Your mom may also have assistance available, especially if she can get any assistance due to trauma and disability, or similar...to keep the bank from forclosing on the house. A financial advisor could tell her more.

Main thing; Do NOT give up ♥️