You need to write to the financial aid officers at ALL schools you are applying to, as soon as you submit your FA paperwork to explain your situation. Nothing is guaranteed but you can try.
On the other hand- why your mom has to keep all this money in her account? If there a way to prepay some of her construction bills? If she can reduce the amount to less than 20K, she doesn’t have to report the exact amount on the FAFSA.