Hi Homeadvice,
First of all my sympathies, it feels like we are all on shifting sand which makes making decisions of any sort very difficult. Sometimes you have to go for it though and my advice would be to sell, that way you're avoiding negative equity which has to be the major consideration. Would it be possible to go the whole hog, so to speak, and live with your parents for a while? at least until your husband gets a job, that way you'll conserve the maximum amount possible of your savings and you'll be ideally placed to get a mortgage on the house of your choice in your area of choice in the future.