Federal Adoption Tax Credit

The adoption tax credit offsets qualified adoption expenses, making adoption possible for families who could not otherwise afford it. Taxpayers who adopt an eligible child may qualify for an adoption tax credit. In general, the credit is based on the reasonable and necessary expenses related to a legal adoption, including adoption fees, court costs, attorney’s fees and travel expenses. Income limits and other special rules apply.

Internal Revenue Service
Hours of Operation: Monday – Friday, 7 a.m. – 10 p.m. your local time
Click HERE for more information.

Adoption Credit, IRS Tax Topic 607 – information on qualifying expenses paid to adopt

Frequently Asked Questions compiled by the Adoption Tax Credit Working Group (March 2017)

For more information on the tax credit, see Form 8839, Qualified Adoption Expenses (PDF), and the worksheets located in the instructions (PDF), both available at the IRS web site listed above.

For detailed advice regarding the credit, contact a tax advisor.

State Tax Credits

Many states also offer adoption tax credits. Visit your state’s web site or contact your tax advisor to find out if a state tax credit may be available to you.

Employer Reimbursement

Check with your employer to see if your workplace has an adoption benefit. If they do not, the “Adoption-Friendly Workplace” program offers information and tools to propose one to your employer. A listing of the best adoption-friendly workplaces is also available on their website.

Adoption.com Loans

Adoption loans to help make your dream a reality.
Click HERE for resources.

America’s Christian Credit Union

America’s Christian Credit Union has been a leader in adoption financing since they started their Adoption Loan Program in 2009. Since then they’ve helped unite over 1,200 families including Adoption Associates families! ACCU is not just interested in joining families together, they want to strengthen them too.

Additional Financial Options

A Child Waits Foundation
A non-profit, charitable foundation that provides low interest adoption loans and grants to give financial assistance to families adopting internationally.

1136 Barker Road
Pittsfield, MA 01201
Phone: 866-999-2445
email: cnelson@achildwaits.org

The ABBA Fund
Provide interest free loans to parents who believe that God is calling them to grow their families through adoption.

P.O. Box 868049
Plano, TX 75086

Adoptive Families Coalition
Adoptive Families Coalition (AFC) is a non-profit organization that offers resources to families with post adoption challenges. AFC is dedicated to the holistic support of families with adopted children who demonstrate emotional, behavioral, or psychological challenges. AFC fills a gap for post-adoption financial support to help these children receive proper therapeutic treatment. In addition to financial assistance through their sponsorship program, AFC provides parent coaches, resource networking database, and support for families struggling to help their child heal from attachment and trauma issues.
P.O. Box 345
Hyde Park, UT 84318

AdoptTogether is a non-profit funding platform helping families raise money to pay for adoption costs, and is the world’s largest crowdfunding platform for adoption. To learn more, click on the link below.

Bills Tax Service-Adoption Tax Credit Specialist
Bills Tax Service is located in Centralia, IL. They are very passionate about helping as many adoptive families as possible with the Adoption Tax Credit. Click on the link below for more information.

Dave Thomas Foundation for Adoption (formely: Adoption Friendly Workplace)
Helps to find loving families for children waiting in foster care.

716 Mt. Airyshire Blvd., Ste. 100
Columbus, OH 43235
phone: 1-616-667-0677
Dave Thomas Foundation for Adoption
Adoption-Friendly Workplace

Gift of Adoption Fund, INC.
2001 Waukegan Road
Techny, IL 60082
phone: 877-905-2367
email: info@giftofadoption.org

God’s Grace Adoption Ministry
Seeks to help Christian families overcome the financial burden of adopting children. 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.

P.O. Box 4
Modesto, CA 95353
phone: 209-572-4539
email: info@ggam.org

A national non-profit 501(c)3 financial assistance grant program that provides qualified couples and individuals (regardless of race, religion, marital status or sexual preference) with grants up to $15,000.

P.O. Box 787
New York, NY 10150
phone: 1-917-684-5484
email: info@helpusadopt.org

Hebrew Free Loan
Provides interest free loans up to $10,000 for adopting families in Northern California.

131 Steuart Street, Ste. 520
San Francisco, CA 94105
phone: 415-546-9902
email: info@hflasf.org

His Kids Too!
His Kids Too! is a 501(c)3 charity that has a wonderful grant program designed so that your friends and family can assist you financially with adoption costs. Donors make tax deductible donations to His Kids Too!, and adoptive families apply for a grant from the funds generated by donors. This is beneficial so that you are in control of your fundraising efforts and donors will have complete confidence that donations will go directly towards adoption expenses.

219 B. Delta Court
Tallahassee, FL 32303
phone: 1-850-524-5437
email: director@hiskidstoo.org

Home for Good Foundation
Home for Good is involved in the ongoing work of planting adoption ministries in churches around the world. These ministries are created to support families who would like to adopt but are burdened by the cost. A non-profit 501(c)3 organization.

14175 W. Indian School Rd.
Ste. B-4 #147
Goodyear, AZ 85395
phone: 541-479-5926

International Adoption Resources
Provides grants for international adoptions ranging from $500-$1500 as funds are available.

Download application for funding on website

Lifesong for Orphans
To help families bridge the financial barrier of adoption, Lifesong for Orphans offers adoption grants, interest-free loans & fundraising support. With the commitment of our 100% pledge, any donations made on behalf of adoption families will go straight towards adoption expenses (no administrative fee deducted).

P.O. Box 40
Gridley, IL 61744
phone: 309-747-4527
email: info@lifesongfororphans.org
Lifesong for Orphans

North American Council on Adoptable Children
Provides assistance to figure out tax credit & subsides but does not provide loans or grants.

970 Raymond Avenue, Ste. 106
St. Paul, MN 55114
phone: 651-644-3036
North American Council on Adoptable Children
email: info@nacac.org

The National Adoption Foundation has partnered with Prosper.com to provide adoptive families with adoption loans to receive the financing they need. Prosper is America’s first peer-to-peer lending marketplace that has over 1,480,000 members. They connect people looking to borrow money with people who have money to invest.

Saving Children, Building Families
The Saving Children, Building Families Foundation believes that every child deserves a home. Their goal is to direct the limited funds available to where it will do the most good based on the available information. They prefer to fund international adoptions.

23 S. Gillette Ave.
Bayport, NY 11705-2226
Phone: 203.661.1924


Show Hope
Awards financial adoption grants to qualified families already in the process of adopting. The size of the grant awarded is determined by several factors, the most important being need.

PO Box 647
Franklin, TN 37065
Phone: 615.550.5600

JSC Foundation

Summary: JSC Foundation’s hope is to assist Christian couples for which the cost of adoption is a hardship. They 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.

Application deadlines? JSC Foundation has four application deadlines throughout the year: January 31, April 30, July 31, and October 31.

Home study requirement? Your home study must be complete and approved in order to apply.

Religious requirement? Yes, you must be a practicing Christian in order to receive a grant from JSC Foundation. You are also required to submit a pastoral reference.

Income requirement? Gross income of less than $120,000.

Application type? Submit online.

Application cost? None stated.

Special note: This grant is only awarded to married couples, not single individuals.

Seventeen Twenty

Summary: If you are in the process of domestic adoption, currently chosen and waiting on a baby, or if you have welcomed a child into your home through adoption within the last 12 months you may apply!

Home study requirement? Your home study must be complete and approved in order to apply.

Religious requirement? Yes, affiliation with the Christian faith and are believers of Jesus Christ.

To apply: https://1720foundation.org/apply/