Affording Adoption

The cost of adoption can be overwhelming but there is help available. We have compiled a list of resources for learning about and managing the financial aspects of adoption.

A Child Waits Foundation

-older and special needs
-international only
-up to $5,000
-application online- mail or fax

AdoptionFinancing.com

A network of more than 30 different lenders who can help find the right financing for your adoption.

Advanced Patient Financing

APF originally financed medical bills and has subsequently branched out into adoption.
811-672-8690

Boatner Family Foundation

A small foundation providing grants from $1,000-$10,000.

The Boatner Foundation
P.O. Box 132272, The Woodlands
TX 77393-2272

Dave Thomas Foundation

A foundation committed to ensuring that adoption from the foster care system is streamlined, affordable and accessible to any family wanting to adopt.
800-275-3832

Employer Adoption Assistance Benefit

Many employers have adoption expense programs available. Ask your employer about this benefit or to request a list of employers who provide adoption benefits.
Adoption Benefits Coordinator, National Adoption Center, 1-800-TO-ADOPT or 215-735-9988

Federal Adoption Tax Credit

This tax credit provides the adoptive parents with a $10,000 credit per child for expenses paid to adopt. For incomes below $150,000, the entire credit can be taken. For incomes between $150,000-$180,000, a partial credit can be taken. For detailed information, review IRS Form 8839 and instructions.
800-829-3676

Federal and State Subsidy Programs

If you adopt a child who has special needs, he/she may be eligible for a federal or state adoption subsidy, designed to help offset the short- and long-term costs associated with adopting children who need special services.
NACAC's Adoption Subsidy Resource Center at 800-470-6665

Fore Adoption Foundation

A nonprofit foundation that helps families overcome some of the initial financial burdens of adoption (home study, legal fees, etc.).
480-563-1155

Gift of Adoption Fund

-domestic/international
-$1,000-$7,500  average= $3,500
-downloadable application
-$40 application fee- one time only

Gift Money

Often family members will give loved ones who are adopting a personal loan or monetary gift to assist with adoption costs.

God's Grace Adoption Ministry

Nonprofit organization that helps Christian adoptive parents overcome the financial obstacles of adoption. Based on financial need.

Hebrew Free Loan Association

Offers interest-free loans to Jewish adults who wish to adopt children internationally or domestically. A single person or couple may borrow up to $10,000 toward the expenses incurred for the adoption of a child.

Helping Kids Cope


Help Us Adopt

-homestudy required
-must not be pursuing fertility treatments while trying to adopt
-application online

His Kids Too!

-international adoptions only
-request application online
-money through fundraising- you can control how much money is raised
-all money is awarded through online donations to each individual family

Home Equity Loan

Interest is usually tax-deductible. Consult your bank or lender for more information

International Adoption Assistance Foundation, Inc.

334-633-4300

International Care, Inc.

Grants up to $10,000 to families adopting international orphans.

JVS Foundation

Offers grants amounting to $2,000 or more to families adopting.
877-905-2367

Military Subsidies

The military will reimburse active-duty personnel for most one-time adoption costs up to $2,000 per child.

National Adoption Foundation

-this is an online fundraising account
-50% of the money is disbursed directly back to you as a cash grant
-your account can still be used to raise $ for medical bills, etc. after adoption
-you can set up the account online

NAF Loan Program

The Adoption Assistance Loan is offered to you by NAF in partnership with American General Financial Services. Call 888-627-8767 for an application.

National Endowment of Financial Education

Booklet available, titled "How to Make Adoption an Affordable Option." Call 888-878-3256 to order and reference item #508-F.

Reece's Rainbow

-domestic/international
-grants awarded through donations
-online fundraising account
-fundraising is based on your own efforts
-$25 one time application fee

Show Hope

-Christian foundation
-application online only
-domestic/international
-funds awarded as available

State Adoption Tax Credit

Classified state employees are entitled to a State Adoption Employee Benefit allowing them to receive up to $3,000 per adoption.

Disclaimer: This list was updated in January 2006. While Adoption Covenant will be happy to assist you in any way, you are responsible for researching and applying for these sources of aid.