The retired NFL player just fired back at his estranged wife ... making it clear he is still gung-ho about divorcing her, selling their Georgia mansion and moving somewhere else with their kids.

In new legal docs, obtained by TMZ, Kroy says the fact he had sex with Kim "does not indicate a desire to reconcile" and he "remains steadfast in his desire to divorce" her.

TMZ broke the story ... Kim claims Kroy's latest divorce petition is all a sham because they're living together and having a ton of sex, and she's trying to get a judge to toss the whole thing.

But Kroy says folks shouldn't put a whole lot of stock into the fact they had sex earlier this month ... he says it doesn't change his position.

In the docs, Kroy says their home is set to be foreclosed on in November and he accuses Kim of trying to drag things out to stop him from selling their place to pay off their mountain of debt.

Kroy sounds like he has some post-nut clarity ... he claims their current situation is toxic for their kids and he wants to push forward with the divorce, claiming Kim's called the cops to the home 4 times in 4 months, with the latest incident being witnessed by their youngest daughter.