You have many options and I would like to talk to you in detail. Here are some considerations,
If you don't have to sell, well don't. If you need to sell you can look at finding the right buyer to pay what's needed with a contribution by you included. I can also suggest minor improvements and staging your home for sale to appraise higher and attract the right buyer who will pay the most. Depending on your credit situation or lack there of you can short sale. Of coarse other less desirable options are there also. It's a huge situation when your in it. Sometimes the easy way out is not the best. I can guide you.