close menu

Get Free Info

Do You Get Financial Help if You Adopt?

Where to Find Adoption Financial Assistance

Many hopeful parents are left facing the same question shortly after they begin considering adoption: how are we going to afford this? Do you get financial help if you adopt?

The adoption process can be long and complicated. It follows state and federal laws, as well as other regulations. There are mountains of paperwork for legal procedures, not to mention the many other practical aspects required to complete a successful adoption. These things add up, and they leave families searching for adoption financial assistance.

There has to be help out there, right? Even for the many families considering adoption who are in stable financial situations, few have the needed funds immediately available. If you’re searching for financial help for adoption, there’s good news. There are a variety of ways to receive financial aid for adoption, and this guide will help you find one that works for you.

For prospective birth mothers looking for information on financial help when placing a child for adoption, you can complete this online form to connect with us today. We also offer a complete guide to financial assistance for birth mothers choosing adoption.

Why Many Families Need Help with Adoption Costs

Depending on how much research you’ve already done about adoption, you may still be left wondering why the cost can be so high in the first place. Many people are surprised when they learn for the first time that private adoption costs tens of thousands of dollars or more. It’s no wonder most families search for adoption financial assistance.

What makes up this cost? First, let’s make sure we understand what is not being paid for: the child. Adoption is not a transaction where a family pays for a baby. Rather, the costs are incurred due to the administrative, legal, medical and other practical needs of the adoption process. While it’s fair to see some of the costs as unfortunate, they are necessary to complete safe and legal adoptions.

To complete an adoption, there are many professionals involved:

  • Adoption specialists

  • Social workers

  • Attorneys

  • Medical professionals

  • Courts

  • State-level administrators

  • And more

Typically, the cost of adoption is made up of the funds necessary for all these professionals to do what’s necessary to complete an adoption. The other portion of adoption costs incurred by adoptive families is variable adoption costs, which are primarily made up of prospective birth mother expenses.

The total cost of adoption is not paid out at one time. However, it is common to make large payments during the process, and it is recommended that you have a budget set and a plan to pay for all adoption expenses from the beginning. Since most families don’t have tens of thousands of dollars lying around, it’s common to ask: “Do you get financial help when you adopt a child?”

This is where financial assistance for adoptive parents can be so helpful.

Do You Get Financial Help if You Adopt?

As you can see, it’s clear why many families may need help with adoption costs. But, do you get financial help with adoption? Is it guaranteed?

Unfortunately, there is no way to guarantee financial help for adoptive parents. This is why the adoption specialists at American Adoptions advise families to do everything possible to budget for the total cost of adoption. No one should assume that financial assistance for adoption costs will be given to them. There are, however, opportunities to find financial aid for adoptive parents that are worth looking into.

Financial Help for Adoption

So, where can a family find adoption financial aid to help with adoption fees? There are plenty of options. Depending on your financial situation, and how far into the adoption process you are, some forms of adoption financial assistance will be available, while others may not. It’s always a good idea to consult a financial planner about any of these choices along with your own research if you are able to do so.

One of the most popular forms of financial assistance for adoption costs is adoption grants. Grants are typically awarded by a nonprofit organization, and families do not have to pay them back. An adoption grant is, essentially, a gift. The appeal is obvious. This type of financial support for adoptive parents does come with some challenges — you have to apply for each grant, you may not be awarded grants you’re counting on — bit the potential benefits far outweigh any frustrations.

A counterpart to adoption grants is adoption loans. Adoption loans are like standard personal loans. They typically come from a financial institution, have a set payment plan and include interest. Some adoption loans are better than others. Taking out any loan brings some level of financial risk, and many financial planners would advise that a loan be a last-resort form of adoption financial aid. However, many families have found adoption loans to be helpful.

Other adoptive families have found help with the cost of adoption through fundraising. Adoption fundraising is an opportunity to be creative and get your whole community involved in your adoption journey. If you already have other children, it’s also the perfect opportunity for them to contribute to the adoption. There are so many fundraising ideas to try.

If you're a birth mother reading this, remember to complete our online contact form to connect with one of our experienced professionals and get information on financial help for birth mothers.

Financial Help for Adoptive Parents from American Adoptions

Many hopeful adoptive parents considering our agency ask: Do you get financial help when adopting through American Adoptions?

The above options are a source of financial help for adoption for many couples. Another vital place to find adoption financial support is with American Adoptions. While we do not provide conventional help with the cost of adoption in the form of grants or loans, our adoption specialists are dedicated to your best interests in the adoption process. That means we’re looking out for your budget — from planning the budget at the beginning of the process to doing everything possible to avoid any surprise expenses.

To help with adoption fees, our specialists work hard to find an adoption opportunity that will stay within the budget you set. And our agency fees are fixed, meaning we’ll never spring new costs on you as the process goes on. We’re always completely honest and transparent about the cost of adoption. We work hard to make sure you are totally prepared for a successful adoption process.

Information available through these links is the sole property of the companies and organizations listed therein. America Adoptions, Inc. provides this information as a courtesy and is in no way responsible for its content or accuracy.

Adoption Home Study

Adoption Home Study Process

Learn what a home study is and why you need one to adopt a child.

Read More

Home Study Questions and Answers

While adoption home studies vary slightly from agency to agency and state to state, there are several key elements that are almost always included in every home study.

Read More

Home Studies: State by State

Find a qualified professional in your state to complete your home study.

Read More
Frequently Asked Questions

Do we need to retain our own attorney?

No, American Adoptions has established relationships with some of the best adoption attorneys in the nation. Because adoption laws vary from state to state and between counties, it is important to utilize the services of an adoption attorney who specializes in the state where the adoption will finalize, which is unknown until you match with an expectant mother. You have the right to retain your own attorney, but doing so may be an additional, unnecessary expense.

Can we choose the gender of our baby?

American Adoptions does not allow gender specificity in adoption. Any family who wishes to be gender-specific in their adoption should contact us at 1-800-ADOPTION and ask about the possibility of an exception waiver before taking any other steps toward adoption with our agency. Any families who do receive an exception to be gender-specific may also incur an additional fee, which helps cover the additional advertising costs of such a request.

Please note that gender specificity will likely increase your wait time significantly.

Additional Resources

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.

Sign Up

Famous Adoptions

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

Read More

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.

Read More