Gwen, it's been over a year since we were filling in these forms so forgive me for not remembering the 1864 specifically. Neither my British husband nor I were domiciled in the US. I hadn't lived there for 7 years. If I remember right, there is a way around that, and it has to do with ready, available CASH or co-sponsorship (your parents perhaps?) if you can't meet the ready money requirement.
Thankfully, our house had doubled in price from when we bought it so the proceeds of the sale of it met the requirement. When we went to the interview, all they wanted to see was a current mortgage statement and a current valuation from an estate agent.
Do you have any assets (savings, pension, sale of...) which you can list to meet this requirement? If your parents become co-sponsors, they would have to show their income, and it would have to meet a requirement that would support all four of you living together. I'm a bit fuzzy about this, but it should all be there in your pack.