It does seem a little crass worrying about the worth of your possible inheritance of a house after your mother dies, when your mother is buying it for herself, now! It is not about you. There is no perfect house, not even a better house than the one she wants to live in. If you want to buy yourself a house and have your mother come live with you, that's different. It sounds like you might be going a bit too far in your "logical" decision making and are no longer enjoying your choices in life? Don't forget that emotions include "Joy" and you don't want to let that one go!