John and I spoke with the lawyer and we were wrong about how any cash from the sale of the house would be dispersed. First – any liquid assets have to be used to cover debts.
Then if assets need to be liquidated, then whoever was supposed to get that asset gets whatever proceeds are left after paying debts. So no matter what my siblings do – Sara will get the rest of the money if the house is sold.
The lawyer also pointed out the same thing many people here did – that giving Sara the money could affect her