Praise be to Allaah.
Firstly:
We ask Allaah to bless you with righteous offspring who will
bring you joy and will help you to obey Allaah and please Him.
Secondly:
Sponsoring an orphan is one of the greatest acts of worship,
because of the immense reward that it brings and because of the compassion,
kindness and care of the orphan that is involved.
As for adoption, it is clearly haraam, because Allaah says
(interpretation of the meaning):
“nor has He made your adopted sons your real sons. That is
but your saying with your mouths. But Allaah says the truth, and He guides
to the (Right) Way.
5. Call them (adopted sons) by (the names of) their
fathers, that is more just with Allaah. But if you know not their father’s
(names, call them) your brothers in Faith and Mawaaleekum (your freed
slaves)”
[al-Ahzaab 33:4,5]
It was narrated from Abu Dharr (may Allaah be pleased with
him) that he heard the Prophet (peace and blessings of Allaah be upon
him) say: “Any man who knowingly claims to belong to someone other than his
father has committed an act of kufr. Anyone who claims to belong to a people
when he has no lineage among them, let him take his place in Hell.” Narrated
by al-Bukhaari (3317) and Muslim (61).
See also question no.
5201 for an explanation on the difference between adoption and
sponsoring an orphan.
Thirdly:
It is not permissible to name the orphan after your husband,
because this is part of adoption which is haraam, and because that leads to
negative consequences with regard to inheritance etc. Your desire to sponsor
an orphan, which is a mustahabb action, does not make it permissible to do
this haraam deed.
Based on this, if you cannot sponsor the orphan except by
adopting him, then you must be patient and wait for a way out from Allaah,
may He be exalted, for His stores are full and everything is in His hand,
and the one who keeps knocking at the door will soon have it opened to him.
We ask Allaah to provide for you from His bounty.
And Allaah knows best.