Whitney Houston's Will -- Bobbi Kristina Gets EVERYTHING

Whitney Houston's 19-year-old daughter Bobbi Kristina got inconceivably richer the day her mother died -- because the singer left Bobbi 100% of her assets in her will ... an estate valued at around $20 million.

According to reports, Whitney's will doesn't enumerate specific assets -- but she leaves ALL furnishings, clothing, personal effects, jewelry and cars to her surviving children ... i.e. Bobbi.

According to reports, Houston's money will be put in a trust -- which Bobbi will have access to in stages ... earning a portion when she turns 21, another chunk when she turns 25, and the rest when she turns 30.

The will was just filed today in Atlanta. Whitney signed it back in 1993, a month before she gave birth to Bobbi.