Sorry - it has been a rather full day
I am very very glad that you now understand that things are not quite as you have been led to believe.
The only bad news is that I am afraid that you are not able to claim Housing Benefit as such - although you MAY be eligible to receive the mortgage interest payments as part of a DWP claim
Since there has been no financial disclosure you are entitled to reconsider your position.
To save funds at this point write a simple letter to your ex's solicitor saying
" I am no longer instructing my former solicitors.
I realise that I have not yet received any financial disclosure from my former husband, and I understand that I should not go forward unless and until I have received this.
Please let me know when you will be in a position to let me have a Form E. I am preparing mine ready to exchange it.
Please inform your client that if continues to harass me regarding the mortgage I will report the matter to the police. I shall not be taking his calls, or calling him in the future.
The current offer will make me homeless as I cannot get a re-mortgage on the property and accordingly i need to consider the matter carefully"
Once that is sent you will have some time to consider what you want to do next.
You can download a Form E and on a day when you are feeling well look at it - it is frightening at first glance - but when you actually look at it it is just about putting the information together.
At the same time you can start looking at your housing options - one possibility could be equity release - not a great option if you had children - but one which could leave you in your home.