Thank you for your question
My name is ***** ***** I shall do my best to help you.
If there is a settlement which means that your wife remains in the property then she will indeed have to pay the ongoing mortgage from all her income sources - which will include child maintenance form you and MAY also include Spouse maintenance
if you would like more details then i will need to know how much the property is worth and how much is outstanding on the mortgage and what income you each have.
How much would a cheaper two bedroom property in the same school area cost to buy?
What earning capacity does your wife have?
But what oculd she earn if she returned to work?