85k Windfall but I can only use it on buying a home or an annuity. Which one?

85k Windfall but I can only use it on buying a home or an annuity. Which one? I am 33 years old and my father passed away 3 years ago and died penniless in a care facility. My grandfather passed away 1 year ago and... well he was quite a bit well off. All his kids and grandkids got a bit of money, but considering the unfortunate circumstance of my father, I was given quite a bit more. My Uncle (the executor of the estate)...

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