The prospect of paying for adoption can be intimidating. Never fear! There are plenty of resources to help make your adoption affordable.  

Adoption Tax Credit

The federal Adoption Tax Credit is an amount of money that can be offset against some tax liabilities, cutting down on adoption costs. For 2018, this non-refundable credit is $13,840.


A good starting place is to check with your tax accountant to see how this could benefit you. You can find more info on the IRS website. 

Foster Child Adoption

Most children adopted from foster care are eligible for adoption assistance, (also called a subsidy) in an effort to keep adoption expenses low. This typically includes a medical card and a monthly stipend to care for the child.

To learn more, contact our State Adoption Program Coordinator, Becky Hartman at (503) 232-1211, or email


Special Needs Adoptions

  • Angels In Disguise  - For families adopting children with Down's Syndrome.

  • Shepherd's Crook Ministries - Offers Financial assistance to Christian families who are led to adopt any of the children listed on their website.

  • Holt's Special Needs Adoption Fund - Assists families adoption through Holt Adoption Agency who need additional financial support. 

  • Brittany's Hope - Works closely with multiple adoption agencies who share their mission to find a family for every waiting child. 

Adoption Loans

Many Credit Unions offer an adoption loan program.  Most banks offer home equity loans for adoptions or equity lines of credit with the interest qualifying for a tax deduction. Check with your bank and tax accountant about eligibility for the tax deduction. Some online loan options include:

  • Abba Fund - Provides financial aid to parents who believe God is calling them to grow their families through adoption. Offering interest-free covenant loans.

  • Adoption Financing - Finds the best ways to finance adoption by networking with numerous lenders.

  • Life Song for Orphans - Offers interest-free loans to help families overcome the high cost of adoption. As the loans are repaid, new family needs are met...creating a self-perpetuating fund.

  • Oxford Adoption Foundation - Provides low interest loans to eligible families to reach their goal of increasing the number of children who are adopted.

  • Adoption Network Law Center - Offers credit-based loans featuring 24-84 month terms. Call: 1-800-FOR-ADOPT

  • America's Christian Credit Union - Offers financial solutions and ministries to empower individuals to reach their financial goals while expanding God's Kingdom.



Adoption Grants

This process usually includes an application. It's not a loan, and you won't need to repay anything!

  • Adopt Together -   A non-profit crowdfunding platform.

  • Every Child Has A Dream- Grants for two-parent families with no history of divorce.

  • Gift of Adoption Fund - Preference given to those facing extraordinary financial hardship. Amounts range from $2,000 - $5,000, and are awarded monthly.

  • Parents for ME - Grants for those pursuing parenthood via adoption or medical intervention.

  • Open Arms Adoption - Grant applications are accepted from all applicants- regardless of country, marital status, or other considerations. Awarded biannually.

  • Boatner Family Foundation - Requires agency approval, a financial statement, and formal application. Grants from $1,000 - $10,000. Inquiries to P.O. Box 132272, The Woodlands, TX 77393

  • Families Outreach, Inc. - Grants for Christian adoptive families.

  • Show Hope: Shaohannah's Hope - Grants to Christian families.

  • Life Song for Orphans - Matching grants range from $2,000 - $4,000, and encourage the adopting couple's church family to financially and prayerfully support the adoption.

  • Help US Adopt - Grants for any US citizen pursing any kind of adoption.

  • National Adoption Foundation Grant - Awarded without exclusion to race, ethnicity, gender, age, sexual orientation, family characteristics, or income. 

  • God's Grace Adoption Ministry - Financial assistance awarded to married couples earning less than $60,000 a year.


Portland, OR Office:

12901 SE 97th Ave. Suite 150, Clackamas, OR 97015

Tel: 503-232-1211

Seattle, WA Office:

127 SW 156th St.,

Burien, WA 98166

Tel: 206-966-5250

Central Oregon Office:

715 NW Kingwood Ave, Redmond, OR 97756

Tel: 541-527-1294

SW Washington Office:

1400 NE 136th Ave. #201, Vancouver, WA 98684

Tel: 360-892-1572

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