Making Adoption Affordable

We believe financial barriers should never stand in way of you building your family! Many resources are available to help you make adoption affordable.
FEDERAL AND State Adoption Tax credits
A number of states offer a State Adoption Tax Credit. The states of Kansas and Missouri are among those states that do offer an Adoption Tax Credit for certain types of adoption. In addition, there is a Federal Adoption Tax Credit available for all types of adoption. To learn more you can click on the links below.




Adoption Tax Law Changes for 2020

Employment Benefits
Some companies offer adoption benefits to their employees, if your place of employment does not currently offer adoption benefits, the Dave Thomas Foundation website has a wonderful resource for materials you can provide to your employer in order to encourage them to offer adoption benefits to their employees.  

Military Personnel
The military offers adoption benefits to most active military personnel who are working with a qualified adoption agency or professional who is authorized to place children for adoption under state or local law.

Grants, Loans, and Fundraising

There are many financial grants and some loans available to families to help offset some of the adoption costs.  The website links below will provide you with this information in addition to practical advice on saving for adoption expenses and fundraising ideas.

  • Adopt Together The website, Adopt Together has all the tools that you need to create an online fundraiser to raise the funds for your adoption process. Turn your crowd into a community. We had one family raise over $23,000 in the first 24 hours!
  • Help Us Adopt The website, Help Us Adopt is a nationwide 501(c)(3) financial grant program that helps couples/individuals (regardless of ethnicity, gender, marital status, race, religion, or sexual orientation) with the cost of adoptions by awarding grants up to $20,000. They support domestic, international and foster care adoptions and do not charge applicants to apply.
  • Gift of Adoption Fund The website, Gift of Adoption provides grants to complete the adoptions of children in vulnerable circumstances- giving them permanent families and a chance to thrive.
  • My Adoption Coach The website, My Adoption Coach provides useful information about the top 10 adoption grants.  Adoption grants can be incredibly easy way to fund your adoption considering the amount of time and effort required to complete the application process.
  • The website,, has a number of ideas on how to afford adoption, including information on saving for adoption and personal loan ideas.
  • Copper Rock Financial This website, Copper Rock Financial helps you secure funding. Although it says business funding, you can use the funds for whatever you want.  If you tell them Adoption & Beyond sent you, you will get a special deal.
  • Credible The website, Credible, has an article outlining the 13 adoption loans and grants to consider. A personal loan could help you cover adoption costs and any associated expenses, such as travel or healthcare
  • America’s Christian Credit Union The website, America’s Christian Credit Union, offers financial assistance. They have three options to choose from: Adoption Loan, Home Equity Adoption Loan, or Adoption Grant Credit Card.
  • Amazon The book, You Can Adopt Without Debt, Creative Ways To Cover The Cost Of Adoption, by Julie Leanne Gumm.
  • National Council For Adoption The website NCFA, outlines that with proper financial planning, adoption can be an affordable option for many families. Whether you’re interested in adoption grants or loans, the above link includes some of the resources available to prospective adoptive parents.


We may provide referrals to third-party resources, service providers, businesses, or websites (collectively “resources”) in the context of delivering our services, or on our website that we believe may be supportive of you or your business. While we strive to provide referrals to quality third-party resources, we have not vetted these resources, and have no way of making a determination regarding whether they are well-suited to your needs.

You acknowledge that we are not responsible for the quality or availability of these resources, businesses or service providers, or any outcomes that may result based upon your engagement with them. We are similarly not responsible for the information, policies, or terms published by these businesses or service providers. Nor are we responsible or liable, directly or indirectly, for the business practices of any third-party businesses or service providers, including those to whom we may refer, or for any harm, liability, damage or loss that may arise based upon your engagement with or reliance on these third-party businesses, or the resources, information or services they provide. You acknowledge that you are responsible for conducting due diligence in regard to any referrals or third-party resources to which we may refer and are solely responsible for any engagements you decide to pursue related to these referrals or resources. You assume all risks in connection with any action you take, including in regard to any resources or referrals that we may provide.

Interested in learning more about The Ultimate Guide to Adopting a Child?  Check out our entire guide here.

Still Have Questions? Let Us Help.