Financial Assistance to Fund Your Adoption

Many resources are available to lessen the financial impact of adoption on your family. Explore the options below.
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

e 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!
  • Family Money Coaching The website, Family Money Coaching offers several different courses that teach you everything you need to know about finances and adoption. They even have a Grants Success Course that includes 100 grants and how to successfully apply for them. (affiliate link).
  • The website,, has a number of ideas on how to afford adoption, including information on saving for the adoption and personal loan ideas.
  • 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
  • American Christian Credit Union The website, American 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.

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

Still Have Questions? Let Us Help.

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