Adoption Funding Part 3: Resources ~ Grants, Loans, and Fundraising Ideas

Hope deferred makes the heart sick, but a longing fulfilled is a tree of life. ~ Prov. 13:12

Hope deferred makes the heart sick, but a longing fulfilled is a tree of life.
~ Prov. 13:12

When people find out we’ve adopted, one of the main questions we get is about funding.  How did we afford it and how can they (or someone they know) afford it?  First of all, we afforded our adoption because God provided in amazing ways.  If you haven’t read our story, you can read it here.  Second, I am by no means an expert on raising funds for an adoption, but over the last few years, I have encountered some amazing resources and ideas, so I thought I would share some with you today!

The first thing you need to know about is the Adoption Tax Credit.  This is a tax credit of up to $12,970 for eligible adoption expenses. It will only refund or cover up to your tax liability, but it can carry forward for up to 5 years. More information can be found here:

The tax credit can be an incredible help.  However, you still have to have the money upfront, which many of us do not have, but there is hope!  There are grants available, interest free loans, possible employer assistance (only certain companies offer this), and you can always fundraise!

One of the first resources that I would recommend is Adopt without Debt:Creative Ways to Cover the Cost of Adoption by Julie Gumm. Her blog also some great fundraising ideas:

Here are some other great websites that offer great ideas or point you to funding help:

General Overview of Grants, Loans, and Scholarships:

(please note this is not an endorsement of Bethany Christian Adoptions – I haven’t had any experience with them)

Adoption Essay Contest:

A fellow adoptive Mom put together a list of “The Ultimate List of Adoption Fundraisers” and it really is the ultimate list:

Adoption Fundraising Advice from a fellow adoptive mom:

Another all-inclusive list of ways to fund your adoption:

These resources can be overwhelming!  Please take this journey one step at a time and pray about what the best options are for you and your family!  This is a reminder I need constantly.  I am a control-freak and love to take the bull by the horns, diving in, picking the fundraisers that I think would be best for us, without seeking God out and asking Him what He would like us to do and when He just wants us to wait on Him.  Remember that if God has called you to adopt, He will provide the funding!  He is our provider!


3 thoughts on “Adoption Funding Part 3: Resources ~ Grants, Loans, and Fundraising Ideas

  1. So glad I found your blog. I’m a fellow adoptive mommy and blogger, with an almost-two-year-old daughter. We are hoping to be adding to our family in the near future also and plan on starting the process to have a homestudy done in the next few months. Praying for your family as you are on the same journey as us!

  2. So glad I found your blog! I’m a fellow adoptive mommy and blogger. We have an almost 2 year old daughter and have loved {almost} every minute of being parents! 🙂 Adoption has been such a blessing in our lives, and we’re so thankful that we get to have an open adoption with both of our daughter’s birth parents and extended family.
    Like you, we’re hoping to adopt again in the somewhat near future. We’re starting the process to update our homestudy soon and then after that, only God knows when His timing is perfect. Can’t wait to follow along on your journey! I’ll keep your family in my prayers.

    • Thanks, Kelley! We really appreciate your prayers! I popped over to your blog and read your story! I love to see how God works in our lives and how his fingerprints are so evident in our adoption stories! I’m excited to hear more about your second adoption journey!

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