Erin, I'm sorry things are so rough right now.
Here is a link maybe you could check out see if it can offer any ideas or atleast reassure you that your not alone in this.
Adoption Expenses: Where to Go for Help - Adoptive Families
I know of plenty of people who sell on ebay or do little fundraisers to help with the cost. I would also go to the dave thomas foundation website and see about get a packet that maybe dh could present to his work for a adoption credit. I know it sounds crazy but it does not hurt to ask, I mean the worst that happens is they say no but are more informed about adoption and its cost.
A loan is also an option I think Bank of America offers a special adoption loan rate and when your taxes came in maybe you could pay it back then. These are just thoughts. Is there any possibility of working at a local daycare instead of in the home?

Keep your chin up you know when you really want something somehow it just all ends up working out.