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Financial Aid

Adoption Assistance

BPE_3001After you have completed your home study you will be able to apply for grants and loans. There are several organizations that offer financial assistance to qualified adoptive families to help with adoption expenses.

We cannot endorse or guarantee any of the grants listed but our families have had success with several of these agencies.

Don’t forget about the tax credit! The Tax Credit is available to families who have completed their adoptions, it is currently $13,190 per child. The IRS also provides a $1,000 Tax Credit per qualifying child you have per year. Please consult with your accountant for eligibility and procedure.


Top Tips For Applying For Adoption Grants & Loans

  1. Review applicant requirements prior to applying. Most organizations require applicants to have a completed home study, work with a licensed agency, and have U.S. citizenship.
  2. Most organizations want similar information. You will save tremendous time and effort by typing and saving your answers to application questions. For each application with a question that is similar to one you have already answered, you can then begin with your previous answers instead of always starting from scratch. (See the Information to Prepare section below.)
  3. Gather all of the documents that need to be copied — tax returns, home study, letters of reference, etc. — and make at least 10-15 copies of each document. When possible make double-sided copies to cut down on bulk and associated postage costs.
  4. Purchase envelopes large enough to hold your documents (10″ x 13″).
  5. Create an “Adoption” folder on your computer. Make several sub-folders (e.g., “Grants,” Loans,” etc.) and then make a folder for each individual grant, loan, etc. Save all application files in the corresponding folder. This may seem excessive, but it will save you from a lot of stress down the road.
  6. Print applications.
  7. Organize applications in order of due date.
  8. Check and double-check all application checklists and due dates. Some applications don’t have a due date, but others need to be postmarked by a certain date.
  9. Check and double-check all application content, too!
  10. Remember to sign everything and make sure your spouse or partner, if appropriate, does the same.

Information to Prepare

  1. TESTIMONIES AND STATEMENT OF FAITH: Many foundations are religious-based and require the adoptive couple’s testimonies and statement of faith.
  2. TAX RETURNS: Almost all of the organizations request copies of your tax returns from the previous 2 years (just the first two pages in most cases). It’s a good idea to keep multiple copies easily accessible.
  3. HOME STUDY: All organizations will want a copy of your home study. Make double-sided copies of your home study to cut the bulk and save postage costs.
  4. PICTURES: Some organizations ask for a picture of your family and of the child you are adopting, when possible. It’s a good idea to have good photos on quality photo paper on-hand when you need them rather than having to scrounge and dig through outdated photos to find a suitable picture.
  5. PERSONAL FAMILY BUDGET/MONTHLY CASH FLOW: You will need to make sure you have a working and current family budget. Use a spreadsheet program like Excel so you can easily print one every time an application asks for cash flow. (NOTE: A Child Waits Foundation will only accept applications on its forms. Most other places do not care if the information is on their form as long as the information requested is provided). Organizations want to see a detailed list of all your debts and assets and then a calculation of net worth.
  6. MOTIVATION TO ADOPT: Most organizations will ask for a statement explaining your desire to adopt in general. In some instances they may request your reasons to adopt “this particular child” (for example, when adopting a special needs or waiting child).
  7. Make a list of people you might want to ask and who know your character well. Who has served an important role in your life? Who would write a quality letter for you? Who has an occupation/role that would weigh heavy in the mind of the application reviewer?
  8. Ask the appropriate individuals on your list if they would be willing to write a letter and make sure to give them guidance.
  9. Some foundations ask for specific things that may require a unique letter. There’s no getting around it. However, if you can give your recommendation writers a short list of the things that need to be mentioned in the letter they can write a generic letter addressing all areas. It could be addressed “To Whom It May Concern:” so you can copy it multiple times and won’t have to keep asking them to crank out a letter every time you fill out a new application.
  10. LETTERS OF REFERENCE: You will also need letters of reference from trusted sources, such as:
  • Your clergy
  • Co-worker or employer
  • Neighbor
  • Friend
  • Mentor
  • Small group leader

These tips come from Cherri Walrod, the Founder of Resources4Adoption. Resources4Adoption maintains a list of active adoption grants and loans and provides it for free to families who are looking for ways to afford their adoption.


Adoption grants are basically “free” money for your adoption. But free doesn’t mean they come without work. You just THOUGHT you were done with all that adoption paperwork.
The first key is to understand the types of grants that are available to adoptive families: direct, fundraising and matching.

Direct Grants

Direct grants are the most desired, but also the most difficult to get. Direct grant organizations, like Show Hope, review applicants and award money outright. The money is never paid directly to families, but is paid to your adoption agency or attorney.

Of course these grants are very sought after and have limited funding based on their own fundraising. Other examples include Gift of Adoption and A Child Waits.

Fundraising Grants

Fundraising grants give you an account with a non-profit grant organization to which people can donate. This provides your friends and family with the added benefit of a tax deduction when they give to your adoption fund.

These are the easiest grants to qualify for since the grant organization is not giving you money out of their pocket. I tell every adoptive family that they need to apply for these types of grants. It’s a no-brainer.

I guarantee at least a few people are going to want to donate toward your adoption, why not give them the tax break as well?

It is common for fundraising grant organizations to charge a small administrative. Ten percent seems to be the norm. Like direct grants, the money goes to your agency, not you.

Examples include Lifesong for Orphans and His Kids Too!

Matching Grants

Matching grants are basically a combination of direct and fundraising. The grant organization allows you to fundraise and provide the tax benefit to your donors. Then they match a certain dollar amount of donations received.

They will often provide you with sample fundraising letters, or you can find some on other parents blogs. Lifesong for Orphans is one matching grant organization.

You may dread the thought of more paperwork. Or like me, you might think that your family makes too much money to qualify.

Sadly, I wish I had spent more time and applied for more grants. I was quite lackadaisical about it. We did have a fundraising grant and I applied for one direct grant which we did not receive.

The beauty of the application process is that most organizations want the same information. So gather it up, grab a cup of coffee and your computer and you can apply for multiple grants without too much additional work.

Article written by Julie Gumm

Her new book “YOU CAN ADOPT WITHOUT DEBT” is now available on!


National Adoption Foundation

$1000.00-$1500.00 Award quarterly
Norman Goldberg  1.845.803.4837

JSC Foundation

Up to $15,000, Award quarterly

Help Us Adopt

$500-$15,000, Award every 4 months
Attn: Rachel Shea

A Child Waits

$1000.00 – $10,000 awarded quarterly
Attn: Raymona Griffins

LifeSong For Orphans

$1000.00-$4000.00 every 2 months

Show Hope

$5000 average, quarterly
Attn: Katherine Mckinney

Katelyn’s Fund

Up to $3000, quarterly
Attn: Erica Andrews

Gift of Adoption

Attn: Brian Murphy

Salvation International

an adoption-centered, not-for-profit, crowd funding site.

Our Creator’s Hope, Inc.

$2000.00-$5000.00 quarterly

Gods Grace

up to $2500.00 funds matching

Kyle Reagan Foundation

$10,000 quarterly
Attn: Melissa Holzmeyer
Indiana Residents Only

United Healthcare Childrens Foundation

special needs grant up to $10,000

Brittney’s Hope

 up to $3000.00 quarterly
1.717.367.9614 Paula Tobias

Hand in Hand

matching grant up to $10,000
Chris Awell 913.248.5015

Sea of Faces

Unique Fundraising assistance

Abba Fund Grants

10,000 every 3 months
888.775.3422 Tammi Burkett

Affording Adoption Foundation

$5000.00 quarterly grants

Golden Dawn

quarterly grant $2000.00
Sharon Smith 801-967-0102

Parenthood For Me

grant range $2000.00 to $5000.00
Erica Walther Schlaefer

The Micah Fund

Domestic child matching grant  up to 10,000
Ed Martin(651) 636-5255

Lifetime Adoption Foundation

up to $5000.00 in grant money

NZMB Foundation

$1000.00 grants 4 cycles per year
(800) 407-1690

CMOMA Foundation

 Ten $5000.00 grants per year
Marcy Rodgers  855-462-6662

One Less Ministries

$500.00 rolling grant
Les Wayfair 615.625.2131

Adoption Grant

Essay contest, award one family per year money towards adoption.
Winner picked November 1, in honor of National Adoption Month

CMOMA Foundation

$2000.00 rolling adoption grant
Martha Edmondson 870-336-1339


Fifth Third Adoption Financing

0% $10,000 secured credit card
Sara Harding 1.812.774.4131

NZMB Foundation

$1000.00 grants 4 cycles per year
(800) 407-1690

CMOMA Foundation

 Ten $5000.00 grants per year
Marcy Rodgers  855-462-6662

Oxford Adoption Foundation

up to $5000.00  0% interest loans
Jamie Knight 1.239.430.6240

Pathways For Little Feet

up to 20,000 0% interest loans
Heath Pressley 713.860.4930

Adoption Network Law Center

up to 50,000 in low interest Adoption Loans

Northwest Airlines

Offers significant fare discounts for international adoptions.

Waiting Child Revolving Loan Fund

offers no interest loans for children adopted with special needs.

Old National Bank

low interest loans 1-800-731-2265

Abba Fund

Interest free loans
Tammi Burkett 888.775.3422

Americas Christian Credit Union

low interest loans

DOMOI Foundation

The DOMOI Foundation promotes international adoptions, providing interest-free loans and financial assistance to adults ready and committed to adopt.
Eric Hall (650) 969-1980

Jacob Free Loan Foundation

Provides interest-free loans of up to $5000  to assist with adoption expenses.
(413) 737-2601

Capital One

Offering a credit card with a limit of up to $20,000 at a fixed rate

National Council for Adoption (NCFA) Adoption Loan Program

The loan  offers:
-Unsecured lines of credit up to $25,000
-No annual fee


low interest adoption loans
Vicky Person (425) 227-4710

Connect With Us

Grace International Adoption Agency

Phone Number  941 400 6016

Physical Address  594 Asbury Drive, Mandeville, LA 70471, USA

Mailing Address 70380 Hwy 21, Suite 2 #101, Covington, LA 70433, USA

Skype Grace International Adoption Agency

Viber 941 400 6016

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Photos of orphans, inside orphanage in Kyiv, Ukraine.