How can I keep my house even if I can't afford to make the payments and pay for home improvements and pay for insurance and taxes?

This may come as a shock...but one doesn't just have a right to have things they want...and they should expect major disappointments if they think others should give it to them.

But it's a rhetorical, self answering question. You can't afford to have what you can't afford. So, when you find out how to afford what you can't afford, as that trick would be worth billions, you would be able to afford it!

Otherwise...begging, stealing or marrying the money is your best alternative.