I'm in a very similar situation, but somehow I'm still making all the payments so we are not behind, but every realtor we've talked to has told us to plan on bringing 25k to closing and my mortgage company has told me that I make too much for them to do any type of mortgage adjustments to help out as well as I make too much for a shortsale.
dude, the shittiest part of the situation, if you do forclose, the bank can garnish your wages...