Now the details of this are fussy to me since it’s not clear to me that a bank wouldn’t atleast do a credit check and some degree of research into whether or not Chris could actually pay for the house (or what day they would get in it )
Chris could probably swing it if he managed his money prudently (and of course actuall has it), but we all know he's going to squander it on vidya and fast food for every meal and various tard gear. Unless he gets a payee (and the fact that whenever he is witnessed outside he appears to be wildly squandering money on stuff tends to suggest he does not), he lacks the responsibility to manage his money.
So I would imagine even in the event the bank decides to let him try to take over paying instead of just immediately foreclosing, Chris will fuck it up because of his inability not to squander his money.
I am assuming Barb used to just take some off the top every time his tugboat steamed in (probably where Chris got the idea that just stealing her money was okay) to pay bills (or at least the ones she did not decide just to blow off). Without some external force controlling him, he's just going to revert to form, squander any "jail windfall" he has, then go back to blowing every penny he gets the day he gets it.
And I don't see any of his extended family coming to the rescue of this motherfucker, nor Cole. Unless Heilberg went above and beyond and got him a payee (and I don't think he did or that Chris would even accept one willingly), I don't see a situation where Chris ends up owning the house, at least not for longer than it takes the mortgagee to rev up foreclosure proceedings.
This is also assuming it isn't sold before Barb even dies, such as for instance to spend down assets to qualify for Medicaid. Or that Barb doesn't just spitefully leave it to Cole alone, or one of the extended family who have apparently been helping her to some extent.
It's remotely possible there's some equity in it that he might get, if he had the sense to declare bankruptcy and screw his unsecured creditors, but I'd think he's too dumb to do that unless he's tard wrangled.
The problem with Chris's mental state is he's just slightly too together to qualify for permanent tard wrangling, but at the same time so incompetent at activities of daily living he'll inevitably keep getting in trouble over and over. In a perfect world, he'd have a payee, and be in a group home or at least permanently wrangled.