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Everlasting Adoptions, Inc., Adoption Services, Santa Monica, CA

Help with Financing Your Adoption

Everlasting Adoptions

Below is a list of adoption resources including grants, loan programs, subsidies and general financial information to assist in financing an adoption. The list is not exclusive, but is a good starting point on your search. This list does not include assistance available through federal or state tax benefits for adoptive parents nor state or federal adoption subsidies/assistance.

Adoption Tax Credits

The federal government (Internal Revenue Service) offers a tax credit to families to help offset adoption expenses. This adoption tax credit is applicable to both successful and failed domestic and successful international adoptions and is taken in the year the adoption is finalized. The credit may be allowed for the adoption of a child with special needs even if you do not have any qualifying expenses. For the 2010 tax year, the maximum tax credit has increased to $13,170 for qualifying expenses paid to adopt an eligible child and is refundable, meaning that you may claim it even if you owe no tax. This increased tax credit amount is extended through December 31, 2011. An eligible child must be under 18 years old, or be a disabled person physically or mentally incapable of caring for himself or herself. If the child turned 18 during the year, the child is an eligible child for the part of the year he or she was under age 18. The credit begins to phase out if you have modified adjusted gross income of $182,520 or more and is completely phased out if you have modified adjusted gross income of $222,520 or more. In addition to the credit, certain amounts reimbursed by your employer for qualifying adoption expenses may be excludable from your gross income. The federal Adoption Tax Credit is subject to an annual upward adjustment that is typically about 3%. Specific information regarding the Adoption Tax Credit and required forms and documentation to apply for the tax credit can be obtained from the IRS official website at The information contained herein should not be relied upon as tax advice. It is strongly suggested that you consult with the IRS or your tax advisor (a qualified tax attorney or certified public accountant) to confirm this information and to determine your eligibility, as well as to the many other tax related benefits associated with children.

Grants, Benefits & Subsidies

Dave Thomas Foundation for Adoption

Created by Dave Thomas, the founder of Wendy’s, who was adopted, the Dave Thomas Foundation for Adoption is a nonprofit 501(c)(3) public charity dedicated to dramatically increasing the adoptions of the more than 150,000 children waiting in North America's foster care systems. It provides grant assistance and general adoption education to adoptive parents. It also provides prototypes for employer assistance programs. Visit their website at

Gift of Adoption Fund

This nonprofit 501(c)(3) corporation provides grants to adoptive parents in order to alleviate the financial burden of the adoption process. It is the only organization in the world with the singular mission of providing funding to build bridges of hope for children and their families. Visit their website at for more information or call 877-905-2367 or E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it..

God’s Grace Adoption Ministry

God's Grace Adoption Ministry is a non-profit organization helping adoptive parents overcome the financial burden of adopting children. It is not an adoption agency, but rather works in cooperation with the agency to assist the family with their financial needs. Depending on the individual family needs, financial assistance is available in the form of grants and interest free loans. Call 209-572-4539 or visit their website at

Help Us Adopt

Help Us Adopt is a national non-profit financial assistance grant program that will provide qualified couples and individuals with grants of up to $15,000 towards their adoption expenses. Visit their website at

National Adoption Foundation (NAF)

NAF provides adoption assistance for prospective or adoptive parents by providing financial support, information and services, and specializes in helping adoptive parents with the costs associated with adopting and raising a child. They provide grants and loans to help fund legal or adoption fees, educational expenses, or the day-to-day costs of raising a family. Visit their website at or call 800-258-4207 for more information.

National Endowment for Financial Education (NEFE)

How to Make Adoption an Affordable Option, is an all-around guide to the financial aspects of adoption. Visit their website at

Sacred Selections

Sacred Selections mission is to financially assist Christian couples whose hearts and homes are open to loving and raising a child in the nurture and admonition of the Lord. Sacred Selections is committed to providing the financial means of bringing together the need for and the longing to give love, through the process of adoption. For more information call 916-770-0336 or visit

Shaohannah’s Hope

Shaohannah's Hope engages the church and helps Christian families reduce the financial burden of adoption through grant assistance. For more information, please visit

Employee Benefit Programs

Many private and governmental employers offer adoption assistance and benefits. These might include financial reimbursement, paid and unpaid leave and resource and referral services. Please inquire with your Human Resources or benefits department.

Family Medical Leave Act

After you adopt, what about job security while staying home with your new child? The Family Medical Leave Act may provide the benefits you need. The Family Medical Leave Act (FMLA) of 1993 is a federal law that requires employers of more than 50 workers to give full-time employees up to 12 weeks of unpaid leave for the birth or adoption of a child. One must have been employed for at least 12 months and worked at least 1250 hours during the previous 12 months. Your employer may have more generous benefits, but this offers minimum protection.

Military Subsidies

If you are an active-duty member of the Armed Forces of the United States, you may be eligible for a $2,000 per child military subsidy. Check with your base commander for more information.

Adoption Loans

A Child Waits Foundation

A Child Waits Foundation makes low interest loans to cover a portion of the costs associated with an international adoption. Please call 866-999-2445 or visit their website at

First Again

First Again provides loans to cover the cost of adoption at low interest rates for families with good credit. The application process is simple and fast. Visit their website at for more information.


Check with your local bank on the availability of unsecured adoption loans or how to qualify for a home equity line of credit. In addition, some employers allow loans against 401(k) plans. The following are several banks who previously indicated that they may be able to help finance your adoption.

Bank of America

Bank of America may be able to help you finance your adoption. For more information call 813-367-5669.

Chase New Additions

Chase has partnered with the Dave Thomas Foundation for Adoption to help adoptive families finance adoption. The Chase New Additions program is a home equity line of credit specifically designed to assist prospective adoptive families and offers low rates, generous credit lines, and payment flexibility. For more information visit or call 1-866-345-7687.

Fifth Third Bank - Naples, Florida

There is a new financing program offered by Fifth Third Bank in Naples, Florida, which is meant to help families more easily afford adoption. The program offers families who are looking to adopt a home equity credit line or installment loan to help cover their expenses. Adoptive parents can be approved for a credit line that will allow them to borrow up to 100 percent of the value of their home, minus the amount of their mortgage. Payments need only be made on the money used, and there is an option of making interest- only payments. Checks are issued along with a Mastercard that enable the borrower to access their credit whenever needed, and one can take up to 20 years to pay back the principal amount. Please call them at 239-530-1460 for more information.