financing adoption loans and grants
Not sure how to finance your adoption? You are not alone. Fortunately, there are many ways to cover your adoption expenses, including tax credits, low-interest loans, adoption grants, and more.
At Adoption Support Center, our philosophy is “You will get the child you are meant to raise.” Our agency staff will work closely with you to explore all of your financing options.
Federal Tax Credit for Adoption
NorthPark Community Credit Union Visa Loan Program
ASC Angels College Scholarship Fund
Prosper Adoption Loans
Adoption Grants & Interest-Free Loans
Federal Tax Credit for Adoption
We are very pleased to report that Congress renewed the Adoption Tax Credit as part of last year's “Fiscal Cliff” negotiations. The credit is now permanent and not refundable, meaning adoptive parents can get a credit based on their tax liability with up to five years to take the full amount. The maximum credit is set at $13,400. Families with incomes under $201,010 will receive the full credit and it will gradually phase out by $241,010.
For more questions, call the IRS at 1-800-829-1040 or go to
Financing Back to Top
MasterCard, Visa, and Discover
ASC accepts these credit cards. Home studies, post-adoption follow-ups, and activation fees may all be paid by credit card. We prefer to not accept credit card payments for the larger advertising and placement fees, but will do so if necessary.
Many banks, both online and in your own neighborhood, may also approve adoption loans.
NorthPark Community Credit Union Visa Loan Program Back to Top
We are excited to announce a new option for adoption funding! ASC has partnered with NorthPark Community Credit Union to create a simple Visa loan program that we feel will be of great interest and help to many adoptive families. Visit our webpage to find the details and read more about this exciting new financing option!
ASC Angels College Scholarship Fund Back to Top
Several years ago, we established the ASC Angels College Scholarship Fund. As an adoptive family, you can refer a couple who adopts a full African American child to Program 2 and we start a CollegeChoice 529 Scholarship Fund for your child with our $500 initial investment. Every time you refer a future full African American family to Program 2, we add another $500 to your child's fund.
Prosper Adoption Loans Back to Top
prosper adoption loans Prosper specializes in peer-to-peer lending, a popular alternative to traditional loans and investing options. They cut out the middleman to connect people who need money with those who have money to invest.
Through Prosper, you can apply for unsecured loans for adoption expenses up to $25,000. You'll find that many of their lenders actively seek worthy causes, like funding loans for adoption. Their lenders look at more than just numbers. Although a good credit score helps, you'll also be able to tell your story about why you're applying for an unsecured loan for adoption. This is just a small part of how they differ from other lenders.
Visit and find out more on how to join Prosper and learn more about how Prosper works.
Adoption Grants & Interest-Free Loans * Back to Top
A Child Waits
A Child Waits offers low-interest loans for international adoptions in amounts up to $10,000 per child. The organization lends to families who can financially support a child and repay the loan, but who do not have the funds on-hand to adopt.
God's Grace Adoption Ministry
God's Grace Ministry seeks to help Christian families overcome the financial burden of adopting children in the form of adoption grants or assistance in adoption fundraising.
Helping Kids Cope assists home study-approved families in defraying adoption costs through grants.
Help Us Adopt is a national non-profit financial assistance grant program providing qualified couples and individuals with grants of up to $15,000 towards their domestic, international, foster, or special needs adoption expenses.
Home for Good Foundation
Offers resources, grants, loans and matching funds, focusing on adoption of older children, children with special needs and sibling groups. For more information, visit their website or call (541) 479-5926.
International Adoption Resources
IAR has established both grant and corporate partner travel programs to alleviate the financial barriers to international adoption. The grant program is open to all legal international adoptions.
Katelyn's Fund
Speaking boldly for the fatherless, advocating that all children, regardless of circumstance, race, or origin, deserve a loving, Christian home, and encouraging families being called to adopt, through financial grants and emotional support.
Lifesong for Orphans
Lifesong offers matching grants (ranging from $2,000-$4,000), which encourage the adopting couple's church family to financially and prayerfully support the adoption. In addition, The Lifesong Legacy Fund offers interest free loans to help couples overcome the high cost of adoption.
The LYDIA Fund helps deliver youth from institutions by helping married Christian couples to pay for the overseas portions of their adoption expenses. The money we use in this supporting role comes totally from donations from individuals and organizations that choose to support us. Without this God-given support, The LYDIA fund would be unable to function.
National Adoption Foundation
The National Adoption Foundation provides financial assistance, services and support to families, before, during and after their adoptions are finalized. The Foundation's programs are available to any family whether they are adopting an infant, a child from abroad or a child from foster care.
This group awards financial grants to qualified families already in the process of domestic and international adoptions. Contact them at (615) 550-5600 or visit their website.
* Please note, these resources are provided for your information. Inclusion here does not represent an endorsement by Adoption Support Center.
Call now to have your
questions answered
(317) 255-5916
Available 24 hours a day
contact us