According to the Regulations on the Management of Housing Provident Fund, if the borrower dies, is declared missing or loses the capacity for civil conduct, the legal heir of his property will continue to perform the loan contract signed by the borrower. During the performance of the loan contract, if the borrower dies, is declared missing or loses civil capacity, and his heirs, legatees, guardians and property custodians refuse to continue to perform the loan contract or fail to repay the loan principal and interest and related expenses for a total of three months, the lender has the right to stop lending to the borrower, terminate the loan contract, recover the paid loan principal and interest in advance, and dispose of the collateral according to law.

If your father is unable to repay, then the responsibility for repayment should be borne by you. Similarly, you have the right to inherit a part of your mother's inheritance, and of course your father also inherited a part. I suggest you consult another person about the inheritance. As for you and your father and the house, this is another matter. Account cancellation should be handled in time, otherwise it will not be inherited, and it is useless for you to leave an account.