Adoptive parents with their babyAffording adoption is challenging for some hopeful adoptive parents. At Lifetime, we understand how daunting the cost of adoption is. But, if they take advantage of adoption loans and grants available, average-income families can adopt a baby with an affordable adoption. Today, we share 9 adoption loans and adoption grants that you can take advantage of! 

Adoption Loans

LightStream AnythingLoan - a loan for adoption 1. LightStream: Finance all aspects of the adoption process with the AnythingLoan. They have fixed rates as low as 5.99% APR. Visit for more information.  

Prosper Logo2. Prosper offers low fixeProsper adoption loand rates, to learn more visit Prosper’s website for more information.  

3. Lifesong for Orphans – offers interest-free loans. Visit their website at for more information.

4. ABBA Fund – Requires references that should include your Pastor, an employer/co-worker and friend. Visit their website at to apply.

Adoption Grants

Below, you’ll find links to organizations offering adoption grants to qualified adoptive families to help with 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:

5. Gift of Adoption Fund

6. God’s Grace Adoption Ministry

7. National Adoption Foundation

8. African American Enrichment Program

9. Childless Mothers Adopt Project (CMomA)

Mardie Caldwell, C.O.A.P.
Written by Mardie Caldwell, C.O.A.P.

Founder of Lifetime Adoption, adoptive mom, adoption expert, and Certified Open Adoption Practitioner (C.O.A.P).

Since 1986, adoption expert Mardie Caldwell has been dedicated to bringing couples and birth parents together in order to fulfill their dreams.

“Many years ago, I was also searching for a child to adopt. We didn’t know where or how to get started. Through research, determination, and a prayer, our dream of a family became reality. I started with a plan, a notebook, assistance from a caring adoption consultant and a lot of hard work; this was my family I was building. We had a few heartaches along the way, but the pain of not having children was worse!

Within weeks we had three different birth mothers choose us. We were overwhelmed and delighted. Many unsettling events would take place before our adoption would be finalized, many months later. Little did I know that God was training and aligning me for the adoption work I now do today. It is my goal to share with our families the methods and plans which succeed and do not succeed. I believe adoption should be affordable and can be a wonderful “pregnancy” for the adoptive couple.

I have also been on both sides of infertility with the loss of seven pregnancies and then conceiving by new technology, giving birth to a healthy daughter. I have experienced first-hand the emotional pain of infertility and believe my experience allows me to serve your needs better.

It is my hope that for you, the prospective parents, your desire for a child will be fulfilled soon.”

Read More About Mardie Caldwell

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