If I Buy House and Something Happens To Me Right Away .... Question

[Edwin De leon]

What would happen if I buy a house, and will it to my 4 kids, and I were to pass away suddenly within a year or so, which means if I buy a house through VA LOAN with no money down, there will be very little equity on property, and the house now is willed to my 4 kids.

Lets assume, I experienced sudden death within 1 year of the purchase...

1) when the house gets passed to my children on my will, and there is no equity in property or very little since it was a recent purchase with no money down to buy it through VA LOAN, there are 4 kids would i have to assign one name on the title of the property or place all their names on title of property in case of sudden death to me.

2) what legal problems may they experience if the house is willed to them and there are problems keeping up the mortgage for whatever reason, can the bank come after my kids personally and hold them responsible and report them to credit bureaus and ruin their credit

3) what other problems may occur that I am not thinking about that can happen to my kids if I all I leave them is  a BIG DEBT with a BIG HEADACHE