Financing an Adoption

The tasks of setting an adoption budget and financing an adoption are important parts of any adoption journey. Thankfully, there are a wide variety of financial resources for adoption available to adoptive families, including:

  • Adoption loans and grants
  • 2014 Federal Adoption Tax Credit
  • Federal Family and Medical Leave Act
  • Employer-provided adoption benefits
  • American Healthcare Lending

Read about these programs and more in the articles below, or call 1-800-ADOPTION to learn more about financing an adoption.

Adoption Loans and Grants

While it's far from ideal to borrow money for adoption, adoptive families may find that taking out an adoption loan is necessary to cover the large and immediate expenses. In some cases, adoptive families may be able to quickly pay back an adoption loan once they receive a tax credit or are reimbursed by an employer or the military. And in some instances, adoptive families may even be able to get an adoption grant to pursue their dreams of parenthood.

2016 Adoption Tax Credit Information

Some adoptive families find that adopting a child can put a strain on family finances. But there are several available adoption tax credits and benefits that may be able to offset your adoption expenses.

Employer-Provided Adoption Benefits

Employer-provided adoption benefits for adoptive families continue to be a growing trend. In 1990, a survey by Hewitt Associates found that only 12 percent of employers surveyed offered some kind of adoption benefits; by 1995, the proportion had climbed to 23 percent. ...

Federal Family and Medical Leave Act

Many adoptive families are concerned about adoption maternity leave or paternity leave. First, because they need to plan to stay in the state where their child is born for an average of 7 to 10 business days to comply with the Interstate Compact on the Placement of Children (ICPC). And second, because they understandably desire additional adoption maternity or paternity time with their child when they get to bring him or her home.

Prosper Healthcare Lending

Prosper Healthcare Lending is another potential adoption finance option for our families.


stories from families who have adopted through American Adoptions1-800-HomeStudy.com
  • What is the total cost for the entire adoption?

    There are several factors that determine the total cost for an adoption, including the program you choose. Variables such as medical bills, birth mother expenses and legal fees vary for each adoption. We strive to maintain affordable adoptions without cutting corners. Please see the Our Domestic Adoption Programs section for further details.

  • Can we choose the gender of our baby?

    Have your heart set on a bouncing baby boy or a new little princess? American Adoptions now offers a gender-specific option for families hoping for a specific gender. With this option families would pay an additional Gender-Specific Fee to help our agency locate and work with birth mothers meeting this additional criteria. Please note that gender specificity may increase wait time. This fee is in addition to all other program fees and is not considered part of your adoption budget. Please contact us at 1-800-ADOPTION for minimum budget details.

  • Do we need to retain our own attorney?

    No - American Adoptions has established relationships with some of the best adoption attorneys in the nation. It is important to note that adoption laws vary state-to-state and often even county-to-county. As such, it is important to utilize the services of an attorney that specializes in adoption in the state the adoption will finalize in, which we will not know until you are matched with an expectant mother. Retaining your own attorney at this time is not necessary and may be an additional expense to you that is not needed.

  • Adoption Newsletter

    Did you know that American Adoptions offers a free bi-weekly e-newsletter? Sign up today to keep up-to-date on the latest in adoption news and information.

  • Famous Adoptions

    Learn which famous Hollywood actors, sports stars, politicians and other icons have been touched by adoption.

  • Adoption Glossary

    Do adoption terms and phrases leave you feeling confused? Learn the meaning to key adoption words and phrases with our comprehensive adoption glossary.


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