Adoption Financing: Resources for Adoptive Families

Young couple holding their newly adopted infant

Now that you’ve decided you want to adopt, where will you turn to get the funding to complete your adoption? Not to worry; there’s good news! Adoption financing is available to help with the cost of adoption for almost all families.

We believe that loving families and family members who are called to open domestic adoption should be able to open their hearts to a child. 

About Adoption Costs and Adoption Financing

Adoption costs can vary. Costs depend on the type of adoption you pursue, your state laws, and the birth mother’s state laws, legal requirements of your match, and other adoption-related expenses.

The adoption costs may resemble those involved with fertility treatment; you’re paying for professional experience and services to help you bring your baby home. The difference is that with adoption, your investments of time and resources come with a greater chance that you’ll become a parent. And there are fewer costs than medical treatments.

In fact, many families are now choosing to forgo or limit fertility treatments, opting for adoption instead.

Thankfully, there are many adoption financing options available today, including adoption grants and loans. It is possible to make adoption affordable and customized for your needs.

Explore Your Adoption Financial Options

Adoption Loans

Lifesong logo

Lifesong offers interest free loans and grants.

The service from Lifesong was exceptional. The people were there to answer our questions; they were prompt in sending us the grant. Their prayers for our family and our adoption journey were much needed and appreciated!”


Matching Grant Recipients

Lightstream logo

When you have good credit, you can finance all aspects of the adoption process with a low-interest, fixed-rate loan from LightStream.

Prosper Logo

Prosper offers low fixed rates.

Abba Logo

Requires references that should include your Pastor, an employer/coworker and friend.

Pathways for little feet logo

The Pathways for Little Feet Family Fund provides financial support through interest-free adoption loans.

Adoption Grants

There are a number of organizations offering grants to qualified adoptive families to help defray some of the costs of adoption. Please visit the specific websites listed to receive more information about these organizations and what they can do for you.


A Lifetime Adoption Foundation 501 (c)3

Lifetime Adoption Foundation

A Lifetime Adoption Foundation offers educational assistance in the form of scholarships to women who have lovingly placed a child through adoption. For children who might otherwise linger in foster care or become institutionalized, the Foundation provides partial funding to adoptive parents. The funding is dedicated to helping adopt those children with special needs or who otherwise may be hard to place.

A Lifetime Foundation does this by providing financial adoption grants. These help defray the costs of adoptions of special needs children, sibling groups, older children, and/or medically fragile children. We also have a large African American Enrichment Grant program, helping African American babies and children find permanent homes with loving adoptive families.

A Lifetime Adoption Foundation is dedicated to adoption education, support, adoption resources, and financial assistance to those in need. All gifts of financial assistance are welcome. Gifts designated for a specific program or need are used for the benefit of the program indicated. All gifts and donations are tax-deductible.

Click here to visit A Lifetime Adoption Foundation.

Federal Adoption Tax Credit

A happy adoptive family holding there new born adoptive child at home in a blanket

With the tax credit available to families who have completed their adoptions, the cost of adoption can be very affordable. Learning about the IRS’ adoption tax credit before you adopt can help set your budget when you can anticipate the credit you are entitled to.  Additionally, when you file your taxes, you get an additional tax credit for each qualifying child you have per year. The tax credit phases out for taxpayers with high modified adjusted gross incomes.

Qualifying expenses for the adoption tax credit include necessary adoption fees, court costs, attorney fees, traveling expenses, and other expenses directly related to the adoption.

Adoptive parents who plan to claim the credit should file Form 8839, titled Qualified Adoption Expenses, and attach it to Form 1040. There is also a tax deduction for each qualifying child. (Please check with the IRS for updated information.) For more information and other downloads to required forms, please visit this link on the IRS website.

Employer Adoption Reimbursements

A couple holding and feeding their new born adoptive child in their home

Approximately one-quarter of employers are now offering a range of benefits for their employees who choose adoption. Not only are employees eligible for some sort of paid leave, but many are finding that their employers are offering reimbursement to help defray some of the adoption expenses themselves.

Your employer may also offer an Employee Assistance Program (EAP). This is designed to help workers deal with dramatic situations in their personal lives. You may find that speaking with an EAP counselor can aid the ups and downs of an adoption experience.

Check into your employee adoption benefit. More small- and medium-sized companies are offering some type of adoption credit for their employees.

For example, Verizon has a $10,000 adoption benefit, and Pepsi has a generous adoption benefit, as well. Small companies have found tax benefits to offering these adoption incentives to their benefit package. Ask your human resources department for details.

You can also find out more by contacting the Dave Thomas Foundation for Adoption’s “Adoption-Friendly Workplace” program. They work to make adoption an affordable option for every working parent. You may contact the Adoption Friendly Workplace at 1-877-777-4222 for details on how to request that your employer establish a program, or visit their website.

Military Adoption Benefits

The United States military has resources for adoptive families not available elsewhere. Active military families are eligible for a one-time adoption assistance subsidy program of up to $2,000 per child or $5,000 maximum amount for sibling groups.

These reimbursements and benefits are provided to single or married adopting parents and can be used for domestic or international adoptions. For more information on the program, you may click here.

An African America father reading a nursery rhyme book to his adoptive daughter

Government Subsidies for Adoption

Federal and state assistance to adopt a child is available. These subsidies can ensure that families who adopt hard-to-place or waiting children have the crucial services and financial resources to meet their children’s continuing needs.

Adoption subsidies are available for your child whether your home study was done by a public or a private agency, but will vary by state and region. Research what is available in your area.

It is often easier to have your adoption agency assist in the paperwork if you are adopting a waiting child through them.

Don’t take no for an answer, it can take a lot of work, and you will need help.

Click here for help and more information.

Debt Shredder

Debt Shredder calculates the quickest method to pay off your mortgage and other debts while allowing you to build your adoption budget. The company determines an individualized strategy for you, based on your income, bills, living expenses, and financial goals.

They provide you with a simple, easy-to-use online tool to save both time and interest paid on your debt. With Debt Shredder’s software, coaching, and educational system, you can afford adoption! To learn more and set up your complimentary 45-minute analysis, visit MyDebtShredder-Lifetime.com.

Helpful Articles About Adoption Financing

For more information and some creative resources on making your adoption more affordable, here are some helpful articles:

Please contact us to learn more about Lifetime’s adoption agency’s cost assistance and services. 


Get More Info Now

If you live outside of the United States, please click here.

“We first approached Lifetime in 2016 and everyone was so welcoming and knowledgeable. We were not ready to move forward at that time but we returned to Lifetime three more times before we finally got the nerve to take the leap! Each time we connected with Kim King she answered every question, made us feel welcomes and assured us that God would reveal to us when the time was right for our adoption. We signed on in 2019 and we completely loved and cared for by each Lifetime staff person we encountered. When we were matched and placed on 6 months into our wait (before we even got to do our video!), Christie was right there every step of the way, even when we were really struggling with the tremendous life change. All in all we felt loved and cared for. We weren’t just numbers to Lifetime, we were a family, they knew us by name and took time to be with us in the good and hard times. I cannot express my gratitude for this agency and for this team of professionals.”
Anna and Todd



Mardie Caldwell



Funding Your Adoption



Called To Adoption



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