The 100k will be treated as capital unless you can prove that you have specific plans to sink it into a home for yourself and the kids. If assessed, it would work out at 270 per week means which is over the threshold for OPFP. Do you have debts to clear which would reduce the amount? Have you plans to buy a house? Have you approached council/corporation aboiut any shcemes to buy they might have? It would be a shame to lose your weekly income over the 100k. Maybe try another forum for advice on how to get a house in your situation wityh some working capital?