Pay house in full or take out a mortgage?

My husband and I are both 26 years old he makes around $60K a year and I am a stay at home mom. My father passed away a couple of years ago and left me money, enough to buy a house, plus some extra money for emergencies, along with periodic payments from a life insurance policy. My husband has a 401(k) through his job and his job also offers a mortgage program that works with Wells Fargo mortgage which has benefits in case like for example he loses his job, gets laid off or has a disability. The program will help with interest free loans and grants to keep up with the payments. Should we just buy a house in cash or go for a mortgage through his job?

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