Jade Goody's reported debts of £1.8million mean that her sons, Bobby and Freddie will receive just £400,000 of her £2.2million fortune.
The figures from Jade's will have been revealed by the Sun.
The late reality TV star's debts, which have taken 82% of her estate, include four years worth of taxes to the Inland Revenue, mortgage arrears, outstanding loans, and fees to agents, lawyers and accountants.
A source said: "This is the final tragedy. When Jade died, the lawyers and accountants took a quick view of her wealth but they didn't realise that she had no accounts done."
Just before her death from cervical cancer in 2009, Jade said: "Everything I have, my houses, my money, is going to my sons.
"I always wanted them to have what I never could. I want to make as much money as possible to look after my boys. I know I'm ignorant, but I'm going to make sure my boys get the best education."
The source added: "We think there is enough there to pay their school fees. But there is no trust fund left for them. What the boys have is about £400,000 in cash, plus three properties worth about £1.1million — two of which are in negative equity."
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