OP, your best bet may be to finish your degree in the UK and to maintain your first, then to apply to graduate programs in the US. It’s not clear that transferring will be possible nor that it will provide an “upgrade” over your current degree.
Transferring with so much financial need sounds very unlikely. You will also need to get some support in that process from your current school, and you may want to use that goodwill for graduate programs. With that said, your best path for not being accepted is to not apply.
Also note that from a career POV, where you went to school matters little in the CS field once you start working. What would you hope an American uni would achieve for you that your current path does not?