If there is no equity in the marital home, there is no equity in the marital home to be divided. Even if the value of the home has not grown, if you have both been making payments on the home and have not borrowed against it during the marriage, there should be at least some equity.
If you and he agree that you will take the truck and he will take the car (and assume sole responsibility for the loan), nothing is stopping you from entering into such an agreement. Presumably, though, you wouldn't want your post-divorce credit to turn on whether or not he's making payments., so consider how the loan might be paid off from the marital estate.

