You are at a community college rather than at a 4-year institution right now. Was that reason only financial? Or were there other factors that could also affect what your mom thinks is an appropriate option for you? Sort through that with her before you worry about anything else. And when you do look at the Cost of Attendance on each college/university website, be sure to account for the cost of travel to and from your home several times a year. Most of that travel will be at peak times when there won’t be any cheap plane tickets.
On your own, you can only borrow the maximum federal student loans ($5,500 freshman year, $6,500 sophomore year, $7,500 each year for junior and senior years). You need to have a nice long sit-down meeting with both of your parents, and find out what your budget is. Whether you think there is enough in their bank accounts to pay for Harvard is meaningless. What matters is how much THEY are truly ready, willing, and able to pay, and under what conditions (location? GPA each semester? number of semesters before you have to finish your degree?).
It is entirely possible that your mom is in charge of finances in your household, and that your dad has no idea what it costs to cover their current financial commitments including paying for your sister’s education, etc. He may not have a realistic assessment of the options that are available for you. Happydad sure didn’t. It took him a long time to wrap his brain around the fact that Happykid couldn’t attend X, Y, or Z because of cost.