Mother's money is running out. Any advice?

Medicaid long term care coverage (aka nursing home/NH) is your only option.

Yes, as others have said please research and pick a few Medicare/Medicaid qualified long term care facilities with high quality marks near where you live. You can check out places on-line first and then go visit. (See list of sources below).

Do this ASAP and start the process now rather than waiting until her assets are below your state's limit as many NH facilities LIKE it when the person can enter as a "private pay" resident (before their assets are totally spent down), and then the facility and you can apply for Medicaid. The longer the ability to pay privately, the more the facilities like that (it is a "sweetener" to them, if you get what I mean). Most facilities have someone on staff (social workers and/or business office staff) who understand all your State's Medicaid application rules and can likely be of help to you in this process. Ditto for your Area Agency on Aging; they may be able to recommend Medicaid "planners" to help with this process.

Getting all her accounts (Social Security, any bank or retirement accounts, health insurance/Medicare, etc) set up on-line with you having access; will make the paper work process for Medicaid qualification easier (your State will want copies of things like monthly bank statements going back 5 years; easier to do if you can pull all this info on-line). Ditto for getting copies of her tax filings going back 5 years.

And moving forward, it will be easier (from a paperwork standpoint) if you can handle it on-line rather than waiting for snail mail which is a hot mess these days. Example, an important letter from my mom's State Medicaid long term care program did NOT arrive to me for 8 weeks; but thankfully I had set up on-line access to her Medicaid coverage and I check the site monthly to see if there are any requests for something I need to submit. If I had not set up the on-line access; I would have missed an important deadline because the "letter got lost" in snail mail.

US News World Reports:  https://health.usnews.com/best-nursing-homes

US Dept of Health and Human Services/Medicare Compare Nursing Homes https://www.medicare.gov/care-compare/results?searchType=NursingHome&page=1&city=Potomac&state=MD&zipcode=20854&radius=10&providerRating_overall=5,4&sort=closest

US Dept of Health and Human Services Nursing Home COVID data (something else to check out, cases and % of residents and staff vaccinated or not)
https://data.cms.gov/covid-19/covid-19-nursing-home-data

US Dept of Health and Human Services Nursing Home Quality data
https://data.cms.gov/search?keywords=nursing%20home%20quality

How much does she receive in Social Security each month?

Have you applied for Medicaid?

Have you had a Hospice evaluation?

Someone mentioned Hospice evaluation and I wanted to expand on that. My dad recently died, but when his behavior and needs got to the point where more help was needed. We were able to access the services of VITAS Hospice through Medicare Advantage by having his Primary Care doctor certify that he believed my father to have less than six months to live.

VITAS is a great service here in Florida offering respite care, help with hygiene needs, emotional support service for both patient and family. I would hope there is something like that in Texas you could tap into and there was no need to qualify for medicaid. I would ask the primary care doctor about Medicare Part A Hospice Services.

The only answer is to plan to place her in a nursing home. You can try to do it yourself (pick out and apply to facilities, submit mom's Medicaid application to the State), but I would recommend getting a social worker involved to help you. Mom won't qualify for Medicaid until she is almost out of money (less than $2000 in bank account in many States), but you should start planning now, and I would recommend getting a social worker on board so she knows the situation. Often the State SW will be able to find suitable housing and place mom quicker than you can. There may be a possibility of Medicaid in home assistance as well, but don't expect that to be available.

You say she will have less than $5K in the bank within a few months. That is her savings. How much does she receive each month in income - social security, retirement, etc? You can go to https://www.yourtexasbenefits.com/Learn/Home to apply online or learn about programs. I think the income limit (gross, not take home amount) for single person would be just a little over $2500 per month. However, there are trusts an elder atty can do for you to set aside the overage and not count against the limit. She may even qualify for Legal Aid assistance to help her get things in order and process the Medicaid application.

Charging for rent at this point will just deplete her money faster. You could be using her entire check to pay for the personal things she needs: like toiletry and letting her split the cost of groceries with you. About 60 days prior to getting her bank account at or below $2K, you can apply for Medicaid for her. In Texas, you can do it online or by paper application.

The thing to determine is if you plan to keep her in her home or apply for Nursing Home Medicaid. Texas has some in-home programs she might qualify for and then there is the NH bed.

If you have money to pay, get an elder atty. They know all the Medicaid rules and programs. If not enough money, contact Legal Aid in the area where you live. Best way to guide you and get her set up for the application process.

contact your local department of social services and have her evaluated for LTSS (Long Term Care Services) through Medicaid. if she qualifies, there are other home based care service options in addition to nursing home settings.

Seek a social worker for your mother's assessment and help you look for a Medicaid licensed facility to place your mother in.

I Googled up information. Texas has a 60 month lookback period prior to Medicaid application and 36 months up to last transaction. Contact a Medicaid specialist and eldercare attorney now to work with complex rules in your state of Texas. Every single red cent must be counted from the lookback period up to the application date.

Do not use your money or commingle with her funds to pay her bills. If you must assist, you need to keep detailed records of what your funds went to that covers your mother's expenses. Medicaid will investigate during the application process.

Many here know about these things.
Although go to the source and keep all records and receipts.
It depends on the situation now.
Medi-Caid
Medi-Cal
Medi-Care
Social Security
Help - seek out social worker or care / case manager.
Contact an Elder (or your) attorney
Are you the POA and/or have legal authority to act on your mom's behalf?

No. You SHOULD NEVER EVER use your own $ for this care. It'll drain you financial and this is not acceptable or prudent of you to do.

I am a son who was a full-time caregiver for my Mom. As others have noted, get going on the Medicaid application. There is a lot of paperwork to gather. Contact your county Dept. of Social Services and Office of the Aging for assistance. It is crucial to have a line of communication for any questions you may have. I was able to get Mom qualified for Medicaid through the use of a Pooled Trust that the Medicaid spend down amount would be deposited in each month. The Trust then paid a monthly bill we identified. As a Medicaid participant, she later qualified for Medicaid Managed Long-Term Care, which covered needed medical supplies, etc. In our case, Medicaid allowed me to keep Mom in the family home without the worry of how to pay for medical expenses.

If your mother was married to a veteran who served at least 1 day during a war or conflict and didn't divorce him, then she is entitled to a veterans benefit as well that will potentially get her over 1200 a month to assist in aid/care whether in your home or in a facility. The process is long and it is best to have a specialist assist in the paperwork to ensure it doesn't get rejecetd or kicked back and have to start over, but worth it to get a little known benefit owed to veterans and spouses. There are many organizations out there that assist with walking you the process and paperwork if this applies to your mother.
https://www.assistedliving.org/assisted-living-near-me/assisted-living-veterans-benefits-didnt-know-existed/