Financial Resources

Concern for finances should not keep a family from considering adoption. There are numerous financial aid options available to assist adoptive families. We encourage you to familiarize yourself with the broad range of funds available. The following is a brief overview of some of the financial resources that exist to make adoption an affordable option:

Federal Adoption Tax Credit 

Learn more about the Adoption Tax Credit, including recent tax year changes through Adoption Learning Partners' online e-learning course Understanding the Adoption Tax Credit or go to the IRS web site at Contact your tax specialist to determine whether you qualify.

Illinois Adoption Tax Credit

Learn more about how to use the Illinois Adoption Tax Credit here.

Employee Benefits

Many employers offer benefits for families who adopt, including direct reimbursement for adoption-related expenses. Reimbursements usually range from $2,000 to $10,000. Check with your human resources department for more information.

The Dave Thomas Foundation for Adoption has a kit tool to help you advocate for adoption benefits at your company.

Military personnel may qualify for a one-time $2,000 reimbursement. For more information call the Adoption Exchange Association at 303-333-0845.

If your employer does not offer adoption benefits, you may be able to advocate for them in your workplace. The National Adoption Center publishes a booklet called Advocating for Adoption Benefits: An Employee’s Guide. For a free copy, call 800-862-3678 or 215-735-9988.

Grants & Loans is a 501c3 adoption grants program. Download an application at or email

National Adoption Foundation assists with loans to adoptive families. It also has a limited program to provide grants. For more information or application packet contact: NAF 100 Mill Plain Road, Danbury, CT, 06811, email at or website at For grant information call 374-932-3678.

Adopt Together is a nonprofit funding platfrom to help families raise money for adoption. Find more information at

Hebrew Free Loan Association assists Jewish adults who wish to adopt domestically or internationally. Visit the website at

Gift of Adoption Fund assists potential adoptive families by providing cash grants to subsidize a portion of adoption expenses. Visit the website at

Bright Futures Foundation provides grants to families adopting internationally. For more information visit the website at

American Academy of Adoption Attorney Family Formation Charitable Trust provides financial assistance to those individuals and nonprofit organizations seeking to build families through adoption and assisted reproductive technology through grants. For more information, and the grant application, visit them at

In addition, many financial institutions offer low interest rate loans specifically for adoption purposes. Your local bank may have adoption loans available.

Other Financing Ideas and Options: