If the surviving spouse can't afford the mortgage payments, there are several options they can explore:

1. **Refinance**: The surviving spouse may consider refinancing the mortgage to lower the monthly payments or extend the loan term, making it more affordable. This option depends on the surviving spouse's creditworthiness and income.

2. **Loan Modification**: They can contact the mortgage lender to discuss loan modification options, such as a temporary reduction in payments or a change in the loan terms to make it more manageable.

3. **Sell the Property**: If keeping up with the mortgage payments is not feasible, selling the property could be an option. The proceeds from the sale can be used to pay off the mortgage and any other debts, and the surviving spouse can downsize or find more affordable housing.

4. **Assistance Programs**: Some government or nonprofit organizations offer assistance programs for homeowners facing financial difficulties. These programs may provide financial assistance or counseling to help the surviving spouse avoid foreclosure.

5. **Rent Out the Property**: If selling the property is not an immediate option, the surviving spouse could consider renting it out to generate income to cover the mortgage payments.

It's important for the surviving spouse to act promptly and communicate with the mortgage lender to explore available options and avoid foreclosure, which can have long-term consequences on credit and housing stability. Consulting with a financial advisor or housing counselor can provide guidance tailored to the individual's circumstances.

If the surviving spouse can't afford the mortgage payments, several options may be available:

1. Assume the mortgage: If the surviving spouse is listed as a co-borrower or co-signer on the mortgage, they may be able to assume the loan and continue making payments.

2. Refinance the mortgage: The surviving spouse might refinance the mortgage to secure a lower interest rate or extend the repayment term, making payments more manageable.

3. Sell the property: The surviving spouse may choose to sell the property to pay off the mortgage and use any remaining proceeds for other expenses.

4. Seek loan modification: The lender might agree to modify the loan terms, temporarily suspending or reducing payments, or offering a forbearance agreement.

5. Consider a reverse mortgage: If the surviving spouse is 62 or older, they might be eligible for a reverse mortgage, which can provide tax-free cash for living expenses or mortgage payments.

6. Government assistance: Depending on the circumstances, the surviving spouse might be eligible for government assistance programs like HAMP (Home Affordable Modification Program) or HARP (Home Affordable Refinance Program).

7. Consult a housing counselor: Non-profit credit counseling agencies or housing counselors can offer guidance and help explore available options.

It's essential for the surviving spouse to communicate with the lender and explore these options to find a solution that works best for their situation.