Financial Help for Adoption


High adoption costs create a challenge for many families who wish to adopt. The dollar amount associated with adoption seems high, but there are options for financial support during the adoption process. If finances are the only thing holding you back from pursuing adoption, consider the financial help available to determine if available programs would work for you.


The cost of adoption varies, based on the specifics of the situation. Foster care adoptions are generally the most affordable option, costing up to $2,500 in 2010, according to Going through an adoption agency, doing an independent adoption or adopting a child from another country costs more, but there is a wide range for each option. In 2010, agencies might cost anywhere from $5,000 to $40,000. Independent adoptions are generally between $8,000 and $40,000. Adopting a child from another country will likely cost you between $7,000 and $30,000.

Agency Help

If you adopt through an adoption agency, you might find financial help from the agency itself. Some agencies offer a sliding fee scale for adoptions based on income level, which might help reduce the overall cost of the adoption. The fees won’t likely be all due at once, so spreading out the adoption costs can help families afford the process.

Government Aid

Many government employers offer their employees benefits toward adoption costs, which might include reimbursement for costs, legal expenses, medical expenses and leave from work. Military personnel are eligible for a reimbursement for costs after the adoption is finalized. Federal tax credits are available, and some states offer a similar tax break for adoptive parents. The tax breaks help offset the costs of the adoption, making it more affordable.

Personal Financial Options

Personal financial decisions are an option for paying for adoption costs. A personal loan is an option. Some banks offer special loans for adoption costs that feature lower interest rates. You could also take out a home equity loan. Cutting back on your spending is another way to save up toward the adoption expenses. Try eating out less, cutting out cable and limiting expensive entertainment outside the home. Selling items at a garage sale or online is another way to come up with some extra cash toward the adoption.


A fundraiser allows you to gather donations from others to put toward the adoption costs. Common fundraisers include a silent auction, bake sale, dinner or craft sale. If you don’t want to coordinate a formal event, try a bottle campaign. Ask others to fill baby bottles with change to go toward the adoption. Your friends and family might be willing to take some bottles to the office or other places they frequent to get donations from others.



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