My biggest concern is that having lived off of it for a year, it's pretty much gone. So if they do look at my finances, it's not going to come close to meeting their standards. My fiancee however, well exceeds it. Unfortunately, my salary was adequate to meet my needs (mortgage, etc...) but didn't leave much room for savings.
They will not consider your income at all for the visa - they make a decision based solely on the UK citizen's income and under the new rules they are not allowed to include your income, so it's really not going to matter in the slightest.
Unless you have savings of £16,000 or more in your bank account that you will be contributing to the application, or you have other non-employment income (such as rent from a property you own, investments, etc.), your finances will not be looked at.
Also, I'm selling my home to a relative rent/lease to own so it will remain in my name until they pay it off. Do I need to provide documentation on that? It's not going to provide me any income, they're basically assuming the payoff on the loan. The market in my area isn't such that I could find a buyer to buy it outright.
Unless you will be getting income from renting it out, or you have already sold the house and the money is in your bank account and available as liquid cash funds on the day you apply online, it will be irrelevant to the application - so you don't need to provide any documents.
What you need to prove for the visa is that:
a) Your husband's UK salary meets the income requirements
and
b) You have somewhere to live together in the UK when you move
It's about proving how you will live in the UK after your visa has been granted, not how you used to live in the US.
So, they don't care whether or not you have been working in the US, or what you have been living on for the last few months, or whether you own property in the US. They just care about how your husband will support and accommodate you in the UK after you move - they need to make sure that you will not be a burden to UK society and that you will have no reason to try to illegally work or claim UK public funds while on your fiance visa.