Get Help with Adoption Costs
If you’re feeling overwhelmed by the cost of adoption as you start your adoption journey, you’re not alone, and you’re not out of options. Whether you’re just beginning or already preparing to welcome a child, there are many ways to make adoption more affordable.
From tax credits and grants to employer and military benefits, financial support is available. And at A Act of Love Adoptions, we’re here to help you explore every possible path, with kindness, clarity, and support.
This information is intended for reference only. We are not affiliated with any of these sources.
Adoption Tax Credit
Each year, qualifying adoptive families can apply for a federal tax credit to offset eligible adoption expenses.
Employer Support
More than 30% of employers offer adoption benefits or are willing to assist if they are approached. Look below for more tips on how to approach this!
Health Insurance
Many insurance plans cover your adopted child’s medical care from placement and may reimburse maternity-related expenses.
Adoption Grants
Grants are need-based and don’t need to be repaid, making them a strong option for many families. We have a list of some adoption grant providers below.
Military Assistance
Active-duty military members may qualify for up to $2,000 in adoption reimbursement. Check with your branch’s personnel office.
State Subsidies
Some states offer adoption subsidies, particularly for children with special needs (definitions vary by state, though).
How to Talk to Your Boss
Start by speaking with your HR department or supervisor to ask if your company has an adoption benefit or financial support program.
Even if no formal policy exists, some employers are willing to contribute personally. You can also let them know that companies may qualify for a tax deduction when they help with adoption expenses; they can contact the IRS or their accountant to learn more.
Many families have successfully received support simply by starting this conversation, and government employers often offer assistance as part of their standard benefits.
How to Get Adoption Grants
These trusted organizations offer grants to help cover adoption expenses — many are based on financial need and don’t require repayment.
These trusted organizations offer grants to help cover adoption expenses — many are based on financial need and don’t require repayment.
Gift of Adoption - 1-877-905-2367
Provides grants to help complete the adoption of vulnerable children. Priority is given to families where lack of funds is the only barrier to placement.
National Adoption Foundation
Offers grants and financial support resources to assist adoptive families, with a focus on making adoption more accessible.
Help Us Adopt
Provides grants up to $15,000 to families pursuing adoption — regardless of race, religion, marital status, or sexual orientation.
Tip: If finances are the only thing holding you back, make sure to include that clearly in your application — many grant providers prioritize families in this situation.
Don't let the expenses associated with the process of adopting a son or daughter into your life stop you from taking this life changing step. If you're looking to adopt but aren't sure of the expenses involved - talk to one of our counselors. We're happy to walk you through the entire process so you can be confident, with no surprises. We work with so many women hoping to find a family just like yours to become the new family to their baby.
We're Here to Help
At A Act of Love, we’ve helped more than 2,500 families grow through adoption over the past 3 decades. As a licensed Utah adoption agency led by an adoptive mom, we understand both the emotional and financial journey this path can bring.
At the heart of what we do is a deep commitment to offering compassionate, ethical adoption services and to walking beside you with clarity, dignity, and unwavering support. It’s our mission to help build loving families who share the joy of living and loving together.
If finances feel like a barrier, we’re here to talk through your options with honesty and care.
Frequently Asked Questions
Learn what financial assistance may be available to help cover adoption-related costs and how we support you through the process with clarity and care.
What Our Clients Say
"My wife and I have had a great experience adopting with A Act of Love. We would absolutely recommend anyone thinking of adopting to consider AAoL to assist with your journey. Everyone was so kind, helpful, empathetic, and just generally wonderful people."
-Eric Helligrath, Adoptive Parent
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Let’s Talk Through the Financial Side Together
You don’t have to figure this out alone. If you’re considering adoption but feeling unsure about the costs, we’re here to walk you through it with honesty, hope, and support.
Whether you’re exploring grants, wondering about insurance, or just need someone to listen, we’re ready when you are.
We Are The Adoption Agency That Makes it Personal
Adoption can be overwhelming and intimidating at times. Act of love is here to guide you and make your adoption journey easier. We have a loving, dedicated team ready to help! We take every case personally and won't stop until you are satisfied.
Birth Parents Contact
Call us At 1-800-835-6360
Text to 801-450-0094
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Introduce Yourself
You are one step away from learning how A Act of Love Adoptions can help you. Start introducing yourself by filling out the form below. (We value your privacy, your information will be confidential and secure).