Adoptive Families Blog

How to Afford the Cost of Adoption

Posted by Lifetime Adoption on October 2, 2014

Lifetime Adoption recently asked our clients who have successfully adopted a baby or child through us: “How did you afford the cost of adoption?” Their answers will help as you start your domestic adoption journey:

“We sold our toys.” –SM in Texas
Some families enjoy a boat, timeshare, luxury car, or other extras that they look forward to sharing together as a family. If you have these things and can’t afford adoption, maybe it’s time to reprioritize.

“We borrowed from our parents.” –AL in California
Many of our parents are eager to help fund adoption. And if they can’t directly, some have taken out home equity lines or borrowed from their own retirement accounts, loaned it to their kids for adoption, and the kids pay it back. This allows you to borrow on your parents’ better credit rating.

“0% interest credit cards, and get one with points too!” --EH in Georgia
Many credit card companies still have promotional offers with 0% interest for 12 or 18 months. Lifetime accepts credit cards for just this reason – it can be a great way to finance adoption.

“We have an adoption benefit that helped.” –MR in Florida
Your employers may offer adoption benefits up to over $5,000. Ask your HR department. If you are self-employed, add it to your own plan to take advantage of it.

“Grants and the tax credit helped us plan ahead, so we could budget and borrow.” –HJ in Nevada
With solid budgeting, applying for grants, and saving along the way, you can be prepared knowing you can rely on the tax credit after your adoption.

“We wanted to save up, but we didn’t want to wait, so we got a loan.” –LL in Washington
Lifetime has partnered with Lightstream to offer a loan program to families. If you have solid credit, you can apply and be approved quickly.

“Fundraising yard sales raised our budget in just one month!” – PH in Pennsylvania
Letting friends and family members know you are working to raise money and would be happy to come clear out their closets or garages for them often yields more than you could imagine! Enlist a friend or church family to help promote and be sure to include your WHY – We are adopting! And have a donation jar at checkout too.

“I got a second job!” –KZ in Kansas
Getting another income, be it a job or just hiring out your skills like organizing, cleaning, babysitting, or consulting can be a quick way to fund adoption. It may add to your workload now, but will pay off when you are able to move forward!

For more ideas, links, grants, and more, visit

Topics: Adoption fundraising, Adoption journey, Adoption preparation