A return of contribution must be obtained for any amount of combined IRA contributions for 2020 between you and your husband in excess of your $2,970 of compensation.
I'm unclear as to how much you have contributed for 2020 and how much your husband has contributed for 2020. For what ever amount of contribution are requested to be returned, the custodian will calculate the attributable earnings and distribute those as well as the contribution that is being returned. How you split the $2,970 between supporting your IRA contribution and supporting your husband's contribution is up to you. If both of you have separately contributed more than $2,970, both of you will have to obtain a return of contribution of some amount to bring the total contributions down to $2,970.
