Lost job and no emergency fund, what to do now?

Must be tough time for you and your wife.

Not sure about whether HDB will allow you all to get back, but there are other measures for you all to tide yourself through.

Apply for temporary relief fund:-
https://form.gov.sg/#!/5e85469de009ee0011e262b9

"The fund, which was rolled out on April 1, supports those who have lost their jobs or at least 30 per cent of their income due to the Covid-19 crisis. "

Read more at https://www.todayonline.com/singapore/covid-19-...

Tide yourself through temporarily for the month first; then explore jobs from SG united job portal
https://www.wsg.gov.sg/SGUnited.html ​​​

I doubt you can retrieve your money after u settled the early repayment.
There will be $600 payout to every adult on 14th April. So your household will have $1200.
If your get retrench last month, do apply for $800 per month for 3 months. Please look at the criteria at the govt website.
There are ways which i share before:
1) You can use this time to register skillfutures course.
2) This link below for Temp jobs https://vcf.mycareersfuture.sg/vcf/sgunited_job...
3) Relook at your cashflow, which area can reduce the cost.
4) retrenchment will have retrenchment compensation.