Finance Your Adoption

Special Delivery prides itself on the fact that we have some of the lowest adoption fees in the state of Texas.  We work hard to keep our fees low for our adoptive families.  However, we do know that adoptions can be costly and we are here to help with any information we can give you.  Below are some links that may be of some assistance to you when you are financing your adoption.


Adoption Grants:


ABBA Fund 
Provides adoption assistance for Christian families with adoption grants through their Christian Family Adoption Grant Fund.  Apply at to become a part of ABBA Fund’s growing community of families.


The Boatner Family Foundation 
This foundation provides grants from $1,000 up to $10,000. They require agency approval, a financial statement, and a formal application. Contact: The Boatner Foundation, P.O. Box 132272, The Woodlands, Texas 77393-2272.


FORE Adoption Foundation 
A nonprofit foundation that helps families to overcome some of the initial financial burdens of adoption (home study, legal fees, etc.). Call (480) 342-8919 for more information.


The Gift of Adoption Fund
Provides financial assistance to moderate and low-income families seeking to adopt. Grants are available in amounts up to $7,500, with an average award of $3,500. For more information, visit the Gift of Adoption Fund website or call (877) 905-2367.


God's Grace Adoption Ministry
Uses matching grants to help eligible families meet adoption expenses. For more information, visit their website at or call 209-572-4539 


Help Us Adopt
This is a national non-profit 501(c)(3) financial assistance grant program providing qualified couples with grants of up to $15,000 towards their domestic adoption expenses. Visit or call 917-684-5484.


Lifesong for Orphans
Offers matching grants (from $1,000 to $4,000) which encourage the adopting couple’s church family to financially and prayerfully support the adoption. Involving the local church creates a lifelong bond between the church family and the adopted child. Contact them at (309) 747-4527 or visit


National Adoption Foundation
NAF Grants range from $500 to $2000 and can be used for any adoption-related expense. For more information, visit their website at or call (845) 803-4837.


Show Hope 
This group awards financial grants to qualified families already in the process of adoption. Contact them at (615) 550-5600 or visit



Adoption Loans:


Most of our couples in need of financial assistance go through their local bank or credit union. Other options include:



This organization offers interest-free loans to families adopting.  Visit them at 


Adoption Financing

Offers a financing program for adoption. Fill out the application at www.adoptionfinancing.comand they will work with their network of more than 30 lenders to find the right financing for your needs. While you are on their website, check out Hoping to Adopt? for creative suggestions on how to borrow from yourself rather than someone else. The big advantage is that you are paying yourself interest!


America’s Christian Credit Union (ACCU)

Provides personal loans to Christian couples. Call (800) 343-6328 or visit


APFUSA, A Loan Processing Company

Offers loan locating programs for medical, legal and adoption expenses. Call (800) 392-5189 or go to their website at to apply.


Lifesong for Orphans

Interest-free loans of $5,000 to $10,000 help couples overcome the initial “cash flow crunch” of adoption expenses. Maximize stewardship by utilizing the Federal Adoption Tax Credit offered by the government. Couples enter a covenant agreement to repay the loan through manageable payments. Repayments are used to help the current needs of new adopting families. Contact them at (309) 747-4527 or visit


National Adoption Foundation

The NAF has partnered with, America’s first peer-to-peer lending marketplace, to connect people looking to borrow money with people who have money to invest. Rates start at 6.73% APR. Visit their website at or call (845) 803-4837


Adoption Credits and Subsidies:


Adoption Tax Credit

The Adoption Tax Credit grants adoptive families a maximum income tax break of $12,970 per child (for the 2013 tax year) to cover adoption expenses. The amount increases slightly every year.

…Special Delivery recommends that adoptive parents and prospective parents seek tax advice from a legal or tax professional. The Seattle law firm of Lirhus & Keckemet has a helpful explanation of the tax credit on its website From their home page click the “Articles” tab, then “Adoption Articles” and “A Tax Break for Adopting Parents.”

The official webpage for the IRS adoption tax credit and necessary forms can be found here.


Dependency Exemption

Adoptive parents may take the same dependency exemption on their income taxes for their adopted children, and children placed with them for adoption but not yet finalized, as they would for their biological children. The exemption reduces their taxable income. The amount of the dependent exemption is adjusted annually to reflect the cost of living. The main point to remember is that families must provide more than half of their children's support to list them as exemptions.


Employer Adoption Benefits

Many employers will help with costs by reimbursing adoption expenses with a cash benefit of up to several thousand dollars. If your employer does not offer this benefit, call Adoption and the Workplace at the National Adoption Center (800-862-3678) for materials to guide you in requesting adoption assistance from your employer.


Military Non-Recurring Subsidy

The military will reimburse active-duty personnel up to $2000 per child on adoption expenses. Reimbursement is made after the adoption is finalized and if the adoption is completed through a licensed agency.




Sign up to receive a free monthly newsletter with the latest information on adoption grants, loans and fundraisers at Receive tips which will help you fill out grant and loan applications.  Become a member to receive a downloadable Grant & Loan Resource List that updates automatically each month.


How to Make Adoption an Affordable Option

This is a comprehensive electronic booklet provided at no cost by the National Endowment for Financial Education. Download the booklet at


Need help with a fundraiser?


A Mother’s Love

Adoptive mother Valerie Gagnon operates A Mother's Love, a fundraising service for adoptive parents. To learn more, visit her website


Adoption Bug

Families in the process of adopting can sell t-shirts through Adoption Bug to raise money. There is no start-up or out-of-pocket expense to you and no minimum orders. 25% - 45% of the sales from a fundraiser store go directly to you.


Go Fund Me

With their assistance, it’s easy to create your own online fundraising campaign.


Just Love Coffee

Families in the process of adoption can sell coffee and coffee-related items through Just Love Coffee to raise money to go towards their adoption fees.


National Adoption Foundation

NAF’s latest program allows you to start your personal Adoption Fundraising Campaign for FREE by using your Facebook account.

We have witnessed efforts made by previous adoptive couples to help fund their adoption through fundraising.  If you would like to speak with one of these couples to see how their fundraising experience went and to get tips and information contact us at 806-367-6755. 


**Disclaimer:  Special Delivery Infant Adoption Agency does not guarantee the approval of an adoptive couple for a grant or loan through any entities listed above, nor do we guarantee the issuance of the adoption tax credit.