Sorry, but you don't owe her a thing unless you signed a contract or a document that was witnessed. Don't put a loan on your home for family squabbles, that's the only stable thing you have in your life.

If you must, out of moral obligation repay her, then tell her you willsend her whatever extra you have, and leave it at that. Don't sign anything now. What's to say she won't then say you also own her $$ amount and then what will you do? I don't cotton to family who does this. Sounds like the relationship is already in the toilet, don't ruin your own finances over it also imo. Sounds like there's more gossip going on and finagling that you are privy to. Don't kowtow to such shennanigans.

She has no right to the money if she offered and sent it. I pray God will show you your obligations are for self respect and self care also...and to keep your marital relationship strong.

Tell her as God provides you will pay her back her gifts.