丈夫意外去世的楼主看看这个

http://www.mckinleyirvin.com/Resources/Guide-to-Divorce-in-Oregon/Part-5-Division-of-Property-Assets-and-Debts-in-.aspx

WILL I KEEP MY SEPARATE PROPERTY?

Oregon divorce courts can divide even separate (non-marital) property as part of an overall division of property. It is unusual for a court to give separate property, such as assets acquired before the marriage, to the other spouse in a property division, but the court is allowed to do so under Oregon law if it is found to be just and proper in all the circumstances. This includes any vehicles, houses, real property, bank or retirement accounts that are listed in only one of your names.

以上是说离婚时的情况。

你意外去世的丈夫的意愿显然是与你共同在这房子里与你女儿一起生活下去。你们也用了婚后收入偿还那7万元Home equity loan。如果这贷款全部或大部是用于支付你们结婚以及婚后生活，就更有说服力了。

总之，你的情况是matter of equity AND law。不仅是estate law如何继承（这个比较清楚），还有family law如何界定marital property（关键所在）。你应该至少先找个当地处理过类似情况的律师仔细咨询一下，即使是付费咨询。