Adoption Network Law Center - Access the largest online database of child adoption resources and adoption information on the web.

Adoption Financing Information: loans, grants, tax credits and other benefits



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The following quotations were randomly selected from families journeying through the adoption process. "I can’t tell you enough how wonderful this whole experience has been...we were also blessed to have found you and the Adoption Network Law Center. Thank you again." - Ron & Lisa

  1. Available Financing

    Adoption Network Law Center offers financing programs to help Adoptive Parents manage adoption-related expenses. Our The selection of financial services provided by Adoption Network Law Center offers highly competitive loan programs designed to provide peace of mind. Adoptive Parents may find a loan necessary to cover the larger, more immediate expenses. In some cases, you may be able to repay the loan quickly once you receive a tax credit or are reimbursed by your employer or the military.

    Click here to learn more about Available Financing

    This information is provided for your benefit. Adoption Network Law Center does not receive any fees or commissions from any vendor of financial services listed on this website.

  2. Federal Adoption Benefits
    Through 2011, the dollar limitation on (1) the tax credit for adoption expenses; and (2) the tax exclusion for employer-provided adoption assistance has increased to $13,170.
    This credit is refundable.
    http://thomas.loc.gov/cgi-bin/bdquery/z?d111:H.R.3590:

    The income limit on the adoption credit or exclusion is based on your modified adjusted gross income (modified AGI). If your modified AGI is below the beginning phase-out amount for the year, the income limit will not affect your credit or exclusion. If your modified AGI is more than the beginning phase-out amount for the year, your credit or exclusion will be reduced. If your modified AGI is above the maximum phase-out amount for the year, your credit or exclusion will be eliminated.  http://www.irs.gov/taxtopics/tc607.html.

    Please check with your tax professional for more information.


  3. Federal Child Tax Credit
    With the Child Tax Credit, you may be able to reduce the federal income tax you owe by up to $1,000 for each qualifying child under the age of 17. The credit is limited if your modified AGI is above a certain amount. The amount at which this phase-out begins varies depending on your filing status:

    • Married Filing Jointly is $110,000
    • Married Filing Separately is $55,000
    • All Others are $75,000

    http://www.irs.gov/newsroom/article/O,,id=106182,00.html


  4. Military Adoption Benefit
    Eligible Soldiers serving on active duty may be reimbursed a maximum of $2,000 per child for qualifying expenses related to the adoption of children under the age of 18, up to a maximum of $5,000 per calendar year for multiple adoptions.
    http://myarmybenefits.us.army.mil/Home/Benefit_Library/
    Federal_Benefits_Page/Adoption_Assistance.html


  5. State Tax Credit
    Some states will also offer state level tax assistance for adoption. Be sure to check with your tax professional since tax laws change.


  6. Employer Assistance
    Hundreds of employers of every size and industry offer adoption benefits for employees. Employees may be eligible for paid leave and reimbursement. Be sure to check with your human resources department to see what your employer offers.


  7. National Adoption Foundation (NAF)
    NAF offers aid to families for expenses associated with the adoption and raising of children through direct grants that range from $500 - $2,500, the NAF adoption credit card, 529 college savings plans and unsecured loans.

    NAF also offers adoption disruption insurance designed to protect Adoptive Parents in the event the Birthparent(s) change their minds and decides not to place the child for adoption.


  8. Gift of Adoption Fund (GOAF)
    GOAF is a national charitable organization. Any US citizen adopting from anywhere in the world who has an approved home study from a licensed agency or social worker is eligible to apply for a grant. Financial need and personal commitment toward financing a significant portion of the adoption cost must be demonstrated. Grants range from $1,000 - $7,500.


  9. HelpUsAdopt.org
    HelpUsAdopt.org is a national non-profit 501(c)(3) financial assistance grant program. To apply, you must be a US citizen residing in the US and you must have a complete certified home study that has been approved by a qualified agency or licensed professional in the state in which you reside. Grants range from $500 - $15,000 depending on individual situations.

    Email or call 1-800-FOR-ADOPT today and learn more about all the financial options available to you to support your adoption journey.

Email or call 1-800-FOR-ADOPT in confidence!

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