Do they not teach the kids how to use paragraphs in your school?
Your borrowing capacity depends, on the income and the security available.
The central bank rules allow you to borrow 3.5 times your income. So €385k, the bank has approved you for only €280k. I suggest that the car loan may explain a big part of the difference.
If you use the money you have to pay off the car finance. €380 per month equates to about €80,000 of borrowing capacity. You should be able to get the bank to approve a higher figure.
That still leaves an issue with the deposit. You say that your husband owns the property, and that you and he pay rent on it. These cannot both be correct. If your husband owns the property any money he gives his parents is just a gift. On the other hand if his parents own it and intend that he inherit it, then he does not own it.
If he does own the house you now live in you may be able to raise finance against it to fund a deposit with a non standard lender. This would be separate from the mortgage.
The €380 a month might cover those payments.