If you have adopted a child with special needs or adopted from a state foster care system, there are several sources of financial help that are available. Financial help for a healthy child adopted privately or through a private agency is very limited. Read all of the sections below to see if you can find the financial resources that will be helpful in your situation.
Government Assistance Programs is a link to help you find programs that my be able to help you and/or your adopted child.
Financial Help with the adoption of Special Needs Children is available from the federal government and from state authorities. Children with special needs may qualify for child adoption assistance to help cover the expenses related to their need for ongoing therapy or treatment. It is critical to know that for both federally funded and state-funded subsidies you must apply and receive approval before the adoption is finalized, so research this option early in the adoption process.
Adoption Taxpayer ID Numbers substitutes for a Social Security Number needed in filing a federal tax return. This is needed if there is a delay in obtaining a birth certificate and social security number for your adopted child.
Select a state to read about it's benefit programs
Other Financial Resources
A Child Waits Foundation helps families seeking loans for an international adoption.
Costs of Adopting: A Factsheet for Families gives a general overview of child adoption costs and several resources to help defray child adoption costs for all types of child adoption.
Gift of Adoption Fund provides financial assistance in the form of grants to adoptive parents.
Hebrew Free Loan Association provides interest-free loans to Jewish adults who wish to adopt children internationally or domestically.
Help Us Adopt offers grants twice per year to prospective adopters who face significant financial obstacles.
National Adoption Foundation provides financial help and support services to adopting families.
National Adoption Subsidy Resource Center helps educate parents and professionals on Title IV-E Adoption Assistance.