Adoption is a meaningful journey-but it can also be a costly one. At HOAA we’re committed to helping you understand your options and find the financial resources you need to make adoption possible for your family.
From federal tax credits to grants and creative fundraising ideas, there are multiple ways to make adoption more affordable. Below, you’ll find an overview of the most commonly used resources by adoptive families.
Several nonprofit organizations offer adoption grants to help cover part of the cost of adoption. These grants do not need to be repaid and are typically awarded based on financial need or personal stories.
Popular Grant Organizations Include:
HOAA offers periodic grants based on funding cycles and availability. Check our social media platforms for grant announcements, criterion, and deadlines, or contact us today to inquire. Our goal is providing free services to families willing to open their homes to waiting children.
The Federal Adoption Tax Credit is a significant resource for many adoptive families. The maximum tax credit (amount subject to change each year) can help offset qualifying adoption expenses such as:
As of 2025, the credit is now partially refundable, which means it can reduce your tax liability and put money in your pocket. To learn more, visit National Council For Adoption Applauds Congress, President for Making Adoption Tax Credit Partially Refundable – National Council For Adoption
Many companies offer adoption assistance programs that include reimbursement for adoption-related expenses or paid leave for adoptive parents. Check with your HR department to find out if your employer provides:
House Bill 1083 enables qualifying state employees to receive a lump sum monetary benefit of $25,000 per child if adopting a difficult-to-place child. Eligible employees include State agency employees, veterans, service members, law enforcement officers, tax collector employees, and health care practitioners.
Fundraising can be an empowering way to involve your community in your adoption journey. Many families successfully raise thousands of dollars by combining several methods, such as:
Fundraising not only raises money but also helps build a support system around your future child.
While less ideal than grants or tax credits, some families turn to low-interest adoption loans to bridge financial gaps. Consider options like:
