Choosing WACAP

Financing Adoption

Are you worried finances will be a barrier to adoption? Please don't give up.

As you likely know, adoption can be expensive. But you don't have to be wealthy to adopt. Many government agencies, businesses and employers offer assistance in the form of loans, direct reimbursements, tax breaks and even paid leave to help you adopt a child. The following options may be available to your family:

Resources for WACAP Adoptions

WACAP believes that financial concerns should not prevent qualified families from adopting children. We have established special funds and programs to help parents cover the costs of certain adoptions:  

Promise Child Fund. This fund was established to help unite children with permanent families by reducing fees for certain children in WACAP's Family Finders program. These children may be waiting because they are older, or have medical concerns, or are members of a sibling group. (Please note that WACAP cannot guarantee the placement of any child with a specific family.) Learn more about the types of children this fund helps find families for.

Your Adoption Finance Coach. WACAP's partners at Your Adoption Finance Coach will help you build the right financial plan for your adoption. YAFC's coaching team offers one-on-one consultations, online webinars and workshops, access to a gift registry and more. All families who submit their application to WACAP are offered this service as a free resource.

Lists of Grants and Loans for Adoption: Contact our Family Finders team for a list of organizations that offer grants and loans to help with your adoption.

Government Aid

Federal and state tax breaks and reimbursement programs, such as the following, can help families bring children into loving homes:

Adoption Tax Credit. The Federal Adoption Tax Credit offers adoptive families an income tax break of over $13,000 to cover adoption expenses, as well as for expenses incurred in domestic adoptions of children with special needs. WACAP recommends that adoptive parents and prospective parents seek tax advice from a legal or tax professional. The Federal Adoption Tax Credit was made permanent by the American Taxpayer Relief Act, signed into law January 2, 2013. For more information on how the tax credit works, please visit the IRS Adoption Benefits page.

Military. Active-duty military families can receive reimbursement of up to $2,000 for adoption costs. Contact your military branch for more information.

Nonrecurring Adoption Expenses. The federal government allocates funds to states to reimburse fees paid by adoptive families of children with special needs. States choose whether to accept the funds, and can decide which adoptions are eligible for reimbursement. International adoptions are eligible in some states; domestic adoptions are eligible in every state. Review your state's requirements carefully. To find the contact information for the agency that administers your state's reimbursements, visit the North American Council on Adoptable Children (NACAC) website.


Hundreds of employers nationwide have begun helping their employees adopt children by offering Adoption Assistance Benefits -  from referral help and extended leaves - to cash payments that range from $1,000 to $10,000 or more.

Check with your employer for more information. Learn more on the Dave Thomas Foundation website.


Jan. 2, 18

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“Thanks for all you did to guide us through the process. I just love the fact that WACAP makes adoption affordable—I don't know of any other agency that works so hard to make this happen.” ~ Pat