As has been stated, you need to get both a real estate attorney and an estate tax attorney to weigh in on this decision.
You need to consider the impact on your late husband's estate. Do you need to get a full release ad satisfaction on the loan short fall or will the lender be able to come against the estate for the loan deficiency?
How does this effect the estate taxes.
How does it effect both yours and his income taxes?
How does it effect you if you were on title.
This is not a simple question and must be handled correctly to avoid unintended consequences.