It will depend on the exemptions allowed to protect real estate.
The money you owe might be an asset in the case, so you should let the trustee
and her attorney know.
Here are the Virginia homestead exemptions
$5000 plus $500 per dependent
may also claim rents
sale proceeds exempt to $5000 (husband and wife may double)
Cheeseman v. Nachman, 656 F. 2d 60 (4th Cir. 1981)
unused portion of homestead may be applied to any personal property
May include mobile home
Must file homestead declaration before filing for bankruptcy
Property held as tenancy by the entirety may be exempt against debts owed by only one spouse
sections, case law : 34-4,34-18, 34-20, In re Goad, 161 B.R. 161
W.D. Va. 1993), 34-6, In re Harris, 155 B.R. 948 (E.D. Va. 1993)
The section on tenancy by the entirety may protect you, depending on how the purchase was set up when you and your ex bought the home.
if there is no equity in the home, the home will not be an issue. You can still make the payments and keep the home.