How to Fund Your Adoption

We know that adoption costs can feel overwhelming! AGCI never wants finances to stand in the way of a child uniting with their forever family—which is why we’ve awarded over $155,000 in adoption grants to AGCI families in the past year alone! Since 2005, AGCI families have been awarded over $5 million in adoption grants!



It’s important to remember that you are not alone—we have seen God provide financially for families countless times! To date, AGCI has awarded over $1.1 million in adoption grants to families.


Established in 1997, the AGCI Adoption Grant Fund provides financial assistance to AGCI home study approved families adopting waiting children with special needs, adopting older children, or adopting sibling groups. Begin the process.


Brittany’s Hope Foundation is a non-profit dedicated to aiding the adoption of children with special needs, sibling groups, or older waiting children by providing adoption grants to qualifying, home study approved families. To date, 100 AGCI families have received adoption grants from $3,000 to $20,000 for a total of $723,000 since 2007. Families must have a referral in order to receive this grant. Begin the process.


We’ve compiled a list of the adoption grants that AGCI families have had the most success with. The list below is just a starting point—please reach out to us to learn more!

Affording Adoptions
BJR Adoption Assistance Fund
Caroline’s Promise *Exclusively for North Carolina Families
Childless Mothers Adopt
Elijah’s Truth
Families Outreach
God’s Grace Adoption Ministry
International Adoption Resources
A Love Beyond Borders
LifeSong Legacy Fund
The Micah Fund
Parenthood for Me, Inc.
RLH Family Fund
Show Hope
Tinina Q. Cade Foundation

“Our adoption process for our second child has gone very quickly. We feel absolutely called by the Lord to add this precious boy to our family, but the costs and the fast pace have been scary.  Getting word that we, once again, have been chosen to be grant recipients at a crucial point in our adoption process is a tremendous blessing and a great encouragement.” — David and Kallie Locklair, AGCI Adoptive Parents



Did you know tax credits can cut the cost of adoption by up to $15,000? While these credits are only available after your adoption process is completed, they can make a substantial difference in the affordability of international adoption!

To learn more, check out Publication 968 – Tax Benefits for Adoption or contact your state’s Division of Family Services and State Tax Office to ask about your state’s tax credits for adoption, or to find out if you qualify for any special state subsidy programs.

Additionally, adoptive parents may take the same dependency exemption on their income taxes for their adopted children as they would for their biological children. This exemption reduces a family’s taxable income. It’s important to remember that families must provide more than half of their children’s support to list them as exemptions.

A reimbursement for non-recurring adoption expenses (agency fees, legal costs, and transportation) is available through many states for families who adopt children with special needs. In some cases, these subsidies apply to internationally adopted children. Half of the expenses are paid through state funds, and the other half through federal funds, up to $2,000.



We never want finances to prevent a child from uniting with their forever family! Remember, you’re not alone—95% of families use a combination of strategies to finance their adoption journey. AGCI’s Financial Expert is here to help navigate the often stressful aspects of financing your adoption.

Our Financial Expert can help:

  • Walk through the financial piece of your adoption journey.
  • Offer ideas and resources for adoption funding.
  • Provide counseling regarding common ways to finance adoptions.
  • Discuss financial arrangements and payment schedules.

Talk with your Adoption Advisor to schedule a call with our Financial Consultant.




If you own your own home, you may be eligible for a home equity loan, or you may be able to refinance your mortgage. Often the interest is tax deductible. Also, many banks offer home equity lines of credit. Rates on these loans are often low and the interest is also tax deductible. Your bank may have a special loan program for adoptive parents.

Some financial institutions offer low-interest loans with special terms strictly for adoption expenses. The National Adoption Foundation (NAF), American Christian Credit Union, Child Welfare League of America (CWLA), Funds4Families, MBNA, and First Union Bank of Maryland, offer loans for adoptive parents. Lastly, many life insurance companies have a provision in their whole life insurance policies that will permit you to borrow a percentage of the cash value at a low-interest rate.


The Abba Fund
America’s Christian Credit Union
A Child Waits Foundation
Child Welfare League of America
Jewish Free Loan Association



Many U.S. corporations, including Wendy’s, Capital One, Home Depot, Intel, Johnson & Johnson, and Hewlett-Packard, offer adoption assistance to their employees. Benefits range from extended paid leave or unpaid leave, to cash payments or adoption reimbursements of $1,000 to $10,000. Currently, there are more than 500 corporations that assist families with adoption costs.

If your company does not currently offer this benefit, consider asking them to! Adoption benefits are considered good personnel practice, and qualified adoption plans receive favorable treatment from the IRS on a company’s tax return. Download The National Adoption Center informative packet to learn more about employee benefits.

Download our financial resources packet to find other ways to fund your adoption.

“Words cannot express how grateful we are for this added security as we navigate through an ongoing path of medical appointments, therapies, and other procedures for our sweet girl. Ayla truly is thriving being home with us and experiencing the love of a mom and dad and caring brothers, too.”

— Ben and Bethany Cirota, AGCI Adoptive Parents