If you want to complete the process, you have 2 options; (1) use the asset test of 5 times the difference you are short on the USCIS minimum of 125% of the HHS poverty guidelines for your family size. Please note the new 2009 guidelines have come out so the numbers have increased or (2) get a joint sponsor. They do not need to be a family member, but must qualify including your family size.
You cannot use your husbands income as it is not in the US.
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