Ramseur, NC
Interest Free Interest Free
3-year repayment schedule
“Covenant Agreement” (90% collection)
Perpetual Loan Cycle

A Child Waits Foundation

A Child Waits Foundation provides grants up to $7,000 for both domestic and international adoption.  We also have an international adoption loan program, with loans up to $10,000 at a 3% fixed interest rate. We accept applications without regard to race, age, ethnicity, religion, gender, marital status, sexual orientation or disability.  We welcome applications from singles and heterosexual or same-sex couples adopting domestically or internationally.  We can be reached during the week at 866-999-2445, by email at [email protected], or on the web at A Child Waits Foundation is a 501(c)3 Charitable Organization.

Pittsfield, MA
Perpetual Loan Cycle

View their brochure here!

Adopt a Love Story

We empower families to overcome the financial obstacles to adoption by providing them with the tools and platform they need to raise funds for their adoption.


AdoptionBridge, a ministry of Every Child Has a Name, brings waiting children and loving families together by bridging the gap between the emotional needs and financial challenges of adoption. Our vision is to be the central place where adoptive parents can use the power of crowdfunding to achieve their dream of completing their family. Together, with the support of all the participating families, their generous donors, and our partner agencies, we are a resource where prospective adoptive parents can secure guidance and financial support during their adoptive journey.  We make adoption fund-raising easy!

Adoption Tax Credits

The IRS released Revenue Procedure 2019-44 (a link is here: ) listing the Adoption Tax Credit adjusted numbers for 2020.   The maximum amount allowed is set at $14,300 per child for 2020 (it was $14,080 in 2019). The tax credit starts to phase out for families with modified adjusted gross income in excess of $214,520, and is completely phased out for families with modified adjusted gross income of $254,520 or more.

AdoptTogether “Fundraising Grant”

Check out the AdoptTogether Fundraising grant. Families can create a profile on AdoptTogether’s website (all profiles are reviewed for eligibility), and family and friends can donate to your adoption through this tax-deductible organization. Money donated is awarded to adoptive families as a grant. Learn more at here or go to

Affording Adoption Foundation

The Affording Adoption Foundation raises money and makes grants to Adoptive Parents in financial need at the completion phase of the adoption process. Visit for more information.

Americas Christian CU

ACCU provides financial solutions to individuals and ministries that empower them to reach their financial goals while expanding God’s Kingdom. Every dollar entrusted to us gets reinvested to build churches, fund ministry, and serve members. Find out how banking with ACCU supports the ministry.

Both Hands

We were so encouraged by how many adoptive families we were able to help in 2023! We helped 100 adoptive families raise over $2+ million for adoptions! The best part was our average adoption project has raised $22,000 the last 3 years in a row! Adoptive families can apply today at


Angels in Disguise is committed to creating a world where individuals with Down Syndrome are embraced and empowered. Find out more about their grants:

Associates Home Loan

Associates Home Loan has started a brand new adoption grant for those who are needing financial assistance in the adoption process. This is a $1,000 adoption grant that anyone adopting can apply for regardless of age, race, ethnicity, religion, marital status, gender, sexual orientation, or disability. Click here to fill out the application today!

Bank of America

Keith McKinnon, Loan Officer, and Bank of America may be able to help you finance your adoption. For more information call (813) 367-5669 or email [email protected].

Be the One

Be the One was formed in order to raise money and give out grants to families in Ohio, Kentucky, and Indiana who are “looking after orphans in their distress.”

Be the One is a public charity supported by those who want to see orphans brought into their forever families. We are a 01(c)(3) public charity and are incorporated as a non-profit in the state of Indiana. Email [email protected] for more information.

Bills Tax Services Adoption Tax Credit Specialist

Enrolled agents and tax credit specialists. Tax accounting firm that has been in business since 1977 and has been blessed by adoption. Our burden is to help as many adoptive families and agencies understand how the Adoption Tax Credit can help.

The Buscher Foundation

The Buescher Foundation was established in 2014 by adoptive parents James and Krishtian Buescher who experienced adoption first hand. The Buescher Foundation is committed to providing the support and resources to families going through the adoption process domestically. Grants are assessed on a quarterly basis each year.

Cards For A Cause Fundraiser:

Offers boxed sets of 30 beautifully embellished handcrafted cards with matching envelopes to help organizations and individual families reach their fundraising goal. Each box is $30 and the family/organization would receive over 40% in sales to benefit their cause. Literacy for a Lifetime 50% Matching Grant: Offers a 50%  return on donated or raised funds for free books for families/organizations.

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.

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 Formation Charitable Trust

The mission of the American Academy of Adoption Attorney Family Formation Charitable Trust is to provide financial assistance to those individuals and nonprofit organizations seeking to build families through adoption and assisted reproductive technology. The Trust is supported through a variety of fund raising efforts, including personal contributions of Fellows of the American Academy of Adoption Attorneys and the American Academy of Assisted Reproductive Technology Attorneys, personal contributions of personal donors, corporate giving, grants, educational programs, and through charitable events.

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.

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 enables 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. is a network of social services by zipcode. Find food assistance, help paying bills, and other free or reduced cost programs, including new programs for the COVID-19 pandemic by clicking here



Most experts agree that one of the central barriers to adoption is expense. We also recognize the immense lack of resources that orphanages face each day and hope to fill as many needs as we can. We advocate for families who have open hearts for adoption but are overwhelmed by the financial commitment it brings.

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.

Forever Home Foundation

The Forever Home Foundation is a 501C3 organization providing significant grants to families deep in the process of adoption, and offering direction to families at the cornerstone of making their big decision.

Click here to learn more!

Gift of Adoption Fund

Gift of Adoption provides adoption assistance grants of up to $15,000 to complete the adoptions of vulnerable children from the U.S. and around the world. Gift of Adoption is the largest provider of adoption grants on a nondiscriminatory basis (without regard to age, race, ethnicity, religion, sexual orientation, gender, or marital status). Grants are awarded to help complete domestic, international, foster care, and relative adoptions.

Visit their website at for more information or call 877-905-2367 or E-mail: [email protected]

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 send an email to [email protected].

Grant for Adoption or Fertility Treatment

Tinina Q. Cade Foundation (TQCF) is a nonprofit organization that serves the needs of families battling infertility. Please visit the Cade Foundation’s ( grant page for more information about grants which provide up to $10,000 per family for adoption or fertility treatment. Grants are awarded twice per year and the number of applications funded as well as the amount of funding depends on the success of the Cade Foundation’s fundraising activities (i.e. the more we raise, the more we can give away). To date, 46 families have been funded. For more information please visit the website.

Grant for Adoption or Fertility Treatment

Tinina Q. Cade Foundation (TQCF) is a nonprofit organization that serves the needs of families battling infertility. Please visit the Cade Foundation’s ( grant page for more information about grants which provide up to $10,000 per family for adoption or fertility treatment. Grants are awarded twice per year and the number of applications funded as well as the amount of funding depends on the success of the Cade Foundation’s fundraising activities (i.e. the more we raise, the more we can give away). To date, 46 families have been funded. For more information please visit the website.

Hand in Hand Christian Adoption, Inc.

Hand in Hand Christian Adoption, Inc. is a 501c3 private operating foundation formed in 2007to help children become part of  “forever” families. After seeing the high cost of adoption and the many perspective adoptive couples discouraged from adopting because of those costs we felt compelled to do something.  We knew that we didn’t have the resources to help people in the way they needed so we chose to enlist the help of both supporters of HANDinHAND and the family and friends of adoptive couples.  We understand that not everyone is called by God to adopt but we are all called to care for the orphan.  We believe we are to fulfill that calling by using our God given resources to financially help those who have been called to adopt.  Our individual resources are limited, but together, each one doing our part, we can make a huge impact in helping children become part of “forever” families.

Heart of the Bride

Over a decade ago, our family began taking small steps to share directly with others who were helping the needy in struggling places around the world. We had no idea where those small steps would lead. Today Heart of the Bride is providing for hundreds of orphans, street kids, and vulnerable women through personal relationships. We are an international family, and we continue to grow through relationships. We meet new partners through missionaries and through our existing global partners. We meet new contributors through those who are already participating in this work. We want to continue to grow, but we are committed to expand with a focus on relationship. You are welcomed to join our family. So take a look around and get to know the people we are helping, and if you want to know more, feel free to contact us directly.

Help Us Adopt is a national non-profit 501(c)(3) financial assistance grant program providing qualified couples and individuals – regardless of race, ethnicity, marital status, gender, religion, sexual orientation, or disability – with grants of up to $15,000 towards their domestic, international, foster, or special needs adoption expenses. Visit for more information.

Hope for Fertility Foundation

The Hope for Fertility Foundation offers grants to couples all across the United States who are struggling with infertility. They offer financial assistance towards infertility treatments, surrogacy, or adoption.

Jaya Laxmi Co.

Jaya Laxmi Co. is a fundraising organization that works to raise funds for people wanting to adopt. There are no up-front fees and they only accept prospective adoptive parents who have already passed a Home Study, and have affiliated with a legitimate Adoption Entity.
Visit for more information.

Jewish Fertility Foundation

Jewish Fertility Foundation provides financial assistance, emotional support & educational programming to Jewish people with medical infertility.

JSC Foundation

JSC Foundation began as a private foundation in the fall of 2000 when one couple realized the financial chasm that must be crossed when families so desperately want to bring an orphan home through adoption. The financial hurdles are often the only obstacle preventing a couple from making that decision to adopt and seeing their dream become a reality.

At JSC Foundation, our hope is to assist Christian couples for which the cost of adoption is a hardship. We are pleased to be able to partner with some of these families as they step out in faith by following the call, allowing one more orphan to come home to their forever family!

Kids for Kyla

Kids for Kyla has endowment fund that will fund grants for families in Colorado that are seeking adoption or going through infertility treatments.

LifeSong for Orphans

Lifesong for Orphans helps Christian families remove the financial roadblock to adoption by offering matching grants, which encourage the adopting couple’s church family to financially and prayerfully support the adoption. They also offer interest-free loans. Visit their website at: www.lifesongfororphans.orgfor more information.

Gridley, IL
Interest Free
“Covenant Agreement”
Perpetual Loan Cycle (97% collection)

MilkGlass Candle

MilkGlass partnership is designed with adoptive families in mind. From sharable graphics to personalized links and goal setting, they do the work; you’ll just need to share it! Encourage your friends, family, co-workers, and neighbors to shop our store using your unique code and that’s it. We’ll set aside 20% of each sale and send it your way at the end of your campaign.

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.

National Adoption Foundation (NAF)

NAF provides adoption assistance for prospective or adoptive parents by proving 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.

The National Adoption Foundation, in conjunction with a leading national banking institution, is now pleased to bring to the adoption community an innovative financial loan program tailored to the needs of our community. This program is set up to provide anyone looking to adopt with the necessary financial resources to complete their adoption. Go to our site  for more details. Brief highlights of this loan program are as follows:

  • Provides unsecured loans
  • In amounts range from $5,000 to $50,000
  • At competitive interest rates
  • With quick turnaround – most within 48 hours

Most importantly, the program is set up to lend to all credit worthy borrowers  by finding a loan level appropriate to their income level and credit scores.  The goal being not to turn away creditworthy borrowers.

So, for example, should someone apply for, but not qualify for their initial requested $50,000 loan, they will not be rejected outright. Instead, the bank’s loan program will attempt to find a lesser amount more appropriate for them.    This loan program will be beneficial to the entire adoptive community. Without question, by providing borrowers with the needed financial resources a greater number of adoptions can be completed successfully.

A comparison guide of types of adoption to help you decide what is best for you.

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 web site at:

The Never Alone Foundation

The Never Alone Foundation was born of a deep wish to honor and carry on the legacies of Laurel, Hannah, Zoe and Lucy Constantinides. Laurel was a true champion of adoption and more so, a true champion for love. And there was no more beautiful witness to this than in her three daughters. Laurel dedicated her life to the making of the family. Through her daily life as a mother, through her work as an adoption social worker and through her constant support of the adoption community at large, she went out of her way to create the family. These four people touched every person they met and brought light to the world.

Grant Programs

The Next Family

Creating a family is expensive, and for same-sex couples even more so, which is why Men Having Babies was formed. They saw that gay male couples or individuals who wanted to have children struggle significantly in terms of raising the finances to have a child. Men Having Babies found that gay men spent over $110K on their parenting journey, so in response, they decided to create an organization to support gay men financially toward becoming parents.

Ohio Supports Adoption

On Friday, April 7, 2023, Governor Mike DeWine signed Executive Order 2023-09D, initiating a new program, Ohio Adoption Grant Program, which allows adoptive parents to apply for up to $20,000 grant per child adopted from a private or public agency. Parents who finalized an adoption beginning January 1, 2023 are able to apply for the grant at There are three levels of one-time payments available under the program:

$10,000 for any child adopted (excludes stepchildren);

$15,000 for a child adopted where the adoptive parent previously served as a foster caregiver or kinship caregiver for the child preceding the adoption; and

$20,000 for the adoption of a “special needs” child, which meets the legal definition of “special needs.”

The Ohio Adoption Grant Program replaces the state tax benefit that was previously provided for adoption in Ohio. Hopefully Ohio will see significant decreases in the number of children legally free for adoption (more than 3,000) awaiting adoption, as this grant program will help families afford the ongoing expenses associated with growing a family and meeting the needs of children desiring a forever home.

Click here for more details!

The Orphan Foundation

The Orphan Foundation provides financial support and information to adopting families, as well as services to institutionalized orphans around the world. They currently provide grants of $1,250 to families who have successfully completed their home study, and who can demonstrate to the foundation’s Board of Directors that a grant will make the pivotal difference in families ability to adopt a child. Visit for more information.

Pathways for Little Feet

Houston, TX
Interest Free
Perpetual Loan Cycle
90% collection


An Internet service that allows you to pay for adoption expenses and fees with your credit card. See


Primerica was founded in 1977. They are a publicly traded company on the NYSE, with over 130,000 licensed agents. The heart of what they do is help families create a complimentary Financial Needs Analysis. The main areas of the Analysis are: Debt Solutions, Saving for Retirement, Education Funding, Income Protection and Building your financial future. Nicole Fuhrer is a financial advisor with Primerica. She been in the financial industry since 2004, and is licensed in several areas, including mortgages. For more information on herself and her services, please visit

Pure Gift of God

The goal of Pure Gift of God is to connect Christian adoptive families with other couples and families in every stage of the adoption process. We know first-hand the challenges and joys of adoption, and we want to be a resource and a guide for the adoptive community. Whether you’re a parent, sibling, grandparent, or even someone just interested in beginning the process, know this: you are not alone.

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

Seecass Hope for Adoption Foundation Grant

The Seecaas Hope for Adoption Foundation’s financial grant program strives to help families/individuals with the cost of their adoption by awarding grants in varying amounts.  All applicants are welcome to apply, but due to limited funding, we cannot award grants to every qualified applicant. 

The Sparrow Fund

The Sparrow Fund cares for caregivers, supporting families in foster care and adoption as well as those who care for waiting children. We give grants for families to receive individualized support as they build their family via adoption. We provide specialized counseling services. We offer training and connecting opportunities that encourage, enrich, and empower relationships. We serve in orphanages to care for caregivers who stand in the gap for vulnerable children​.

State Employee/Veteran/Service Member Benefits

The Governor signed a bill on June 9, 2020 extending existing adoption benefits for qualifying adoptive employees of state agencies to veterans and servicemembers as well. The bill takes effect on July 1, 2020 and allows certain military veterans and service members to receive a monetary benefit ($10,000 per child if the child has special needs, or $5,000 per child if the child does not) through the State Employee Adoption Benefit Program, if they adopt a child through the state’s child welfare system. Prior to July 1, 2020, only employees of state agencies, public schools, charter schools and the Florida Virtual School could qualify for the monetary benefit. The updated Section 409.1664, Florida Statutes will take effect on July 1, 2020.

The Tim Tebow Foundation

From the website: This foundation and all of our outreach initiatives were primarily created to show God’s love to children around the world.

Various Loans

There are a number of loans that are available specifically for adoption. Below are links to many of these. We encourage adoptive families to educate themselves on all of the available financing options and to decide what best meets your family’s needs.

Vystar Credit Union

At VyStar Credit Union, we understand that the often-high costs of adoption—including agency, legal and documentation fees, and more—can quickly deplete a savings account. But that doesn’t mean you have to postpone your dream of growing your family. If you don’t have the funds you need to cover the expenses, VyStar’s Adoption Line of Credit (LOC) is one option that could help you achieve your family goals.*

With VyStar’s Adoption LOC, qualified members can receive an LOC between $5,000 and $100,000 to use toward the costs of adopting a child under 18 years of age, with the following terms:

Click here for more information!

We Adopt Too

Black Family Adoption Assistance, Inc is a 501 (c)(3) organization that provides adoption grants to black families seeking to adopt. Our mission is to help increase the number of black adoptive families through financial assistance.

Click here for more information!

Yes We Adopt

A New Jersey-based organization, is dedicated to helping people open their mind, heart, and arms to adoption and fostering. We work with individuals and couples to assure them that they are not the first to consider adoption to create or expand their family. In the best interest of the child and when safe, we believe in open adoption as “some level of contact between a child’s adoptive and birth families.”

Click here for more information!

Your Adoption Finance Coach

Heart of Adoptions partners with the Adoption Finance Coaching Program to assist our families in finding the financial resources they need to complete their adoption.  Experienced finance coaches assist families in grants, loans, fundraising, budgeting and more.  Click here to access the Adoption Finance Coaching Portal.  

Click here for more information!

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418 West Platt Street,
Suite A Tampa,
Florida 33606
Ph: 813-258-6505 | Contact


1000 Tamiami Trail N.,
Suite 501, Naples,
Florida 34102
Ph: 239-594-2830 | Contact


1604 South Bumby Ave.,
Florida 32806
Ph: 407-898-8280 | Contact


4580 Briarcliff Lane,
Coconut Creek,
Florida 33066
Ph: 800-GO-ADOPT | Contact


360 Tangerine Ave.
Merritt Island,
Florida 32953
Ph: 321-301-4545 | Contact