I would be very slow to let go of that house. It sounds to me like this might be a good time for you to go and get financial counseling from a good reputable, non-profit counseling agency.

When I was in the market for a job, Division of Vocational Rehab in my state was willing to pay $8000 for me to participate in a program of Dialectical Behavioral Therapy. I am so burned out on therapy that I just didn't want it. You might check out Voc. Rehab in your state. I am getting psych care through a county program for low-income people. There might be more available around you than you realize, but it can be awfully hard to find out just what you might qualify for.

Programs to help low income people often don't require you to liquidate either your home or your retirement savings. That's the case with the health care program I am covered by.

Sometimes bankruptcy can be an option worth very serious consideration. I also ran up credit card debt paying for private psychiatric care, when I could have gotten it through the county for very low co-payments. I just didn't know what was available.