Adoption Funding
The costs associated with adoption may seem overwhelming at first. But with the help of the federal adoption tax credit of up to $12,150 (for tax year 2009) and a variety of other funding sources available, adopting may be more affordable than you think!
Below are several funding resources to consider.
To learn more about our adoption programs, you can request an adoption information packet, attend an information meeting or schedule a consultation, or call 1.800.677.2367.
Federal Adoption Tax Credit
Internal Revenue Service
Phone: Toll-Free, 1-800-829-1040
Hours of Operation: Monday – Friday, 7:00 a.m. – 10:00 p.m. your local time
Web site: http://www.irs.ustreas.gov
The maximum tax credit (tax year 2009) is now $12,150. Families with adjusted gross incomes up to $182,180 qualify for the full credit. For families with incomes above this amount and up to $222,180 the credit is reduced. The tax credit will be adjusted annually for inflation. The credit may be allowed for the adoption of a child with special needs even if you do not have any qualifying expenses. For more information, see the instructions for Form 8839, Qualified Adoption Expenses.
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 not, the Adoption-Friendly Workplace program listed below offers information and tools to propose one to your employer. A listing of the best adoption-friendly workplaces is also available on their web site.
America’s Christian Credit Union
2100 E. Route 66
PO Box 5100
Glendora, CA 91740-0808
Phone: 1-800-343-6328
E-mail: info@americasccu.com
Web site: http://www.americaschristiancu.com
America’s Christian Credit Union (ACCU) offers adoption loans for families who are pursuing international or domestic adoption. Applicants are required to become members of the credit union and must sign ACCU’s Statement of Faith.
Adoption loans are available up to $50,000 for terms up to 60 months at competitive interest rates. Applicants must meet credit standards set by ACCU. Once approved, loan proceeds will be immediately available to the borrower. Repayment of principle + interest begins as soon as the loan is disbursed.
For more information, visit the ACCU website or contact ACCU at the phone number or e-mail above.
The ABBA Fund
P.O. Box 78800
Charlotte, NC 28271-704
Phone: 1-888-775-3422
E-mail: kevin@abbafund.org
They provide financial assistance for parents who believe that God is calling them to grow their families through adoption and need help with the “cash flow crunch” posed by adoption expenses. Help churches establish adoption funds.
Adoption Friendly Workplace
4150 Tuller Road
Suite 204
Dublin, Ohio 43017
Phone: 1-877-777-4222
E-mail: info@adoptionfriendlyworkplace.org
Web site: http://www.adoptionfriendlyworkplace.org
The Adoption-Friendly Workplace program offers information and tools to help you establish an adoption benefits policy for your employees or propose one to your employer.
A Child Waits Foundation
1136 Barker Road
Pittsfield, MA 01201
Phone: 866-999-2445 (866-999-CHILD)
Fax: 518-794-6243
E-mail: cnelson@achildwaits.org
Web site: http://www.achildwaits.org
Provides low interest loans for families who have exhausted other financial options and could not proceed with their adoption without this help.
A Child’s Desire
1735 1/2 Washington Street
Natchitoches, LA 71457
Phone: 318-354-1229
E-mail: grants@achildsdesire.org
Web site: http://www.achildsdesire.org
A Child’s Desire offers grants to parents adopting hard to place children, special needs children, and children over the age of eight. Offers adoption grants to nonprofit agencies as well as an adoption fundraising program to adopting families.
Christian Advocates for Adoption, Inc. (CAFA)
P.O. Box 364
Hudsonville, MI 49426-0364
Phone: 616-669-0655
E-mail: info@cafadopt.org
This organization works with Christian couples. They start with a homestudy and application that is reviewed by CAFA board members. Then they send funding packets to clients who contact friends, family and acquaintances requesting help with the costs of the pending adoption. As a 501(c)3 ministry donations to CAFA are tax deductible. Money is then distributed to our clients for use in paying for the adoption.
Gift of Adoption Fund, Inc.
P.O. Bos 567
Techny, Illinois 60082
Phone: 847-205-2784 or toll-free at 877-905-2367
E-mail: grants@giftofadoption.org
The Gift of Adoption Fund provides grants to families with financial need who are seeking to adopt.
Global Orphan Outreach
c/o Donna Barber
W6126 Hraban Road
Tony, WI 54563
Phone: 715.415.4401 or 715.749.3607
E-mail: globalorphanoutreach@yahoo.com
Web site: http://www.globalorphanoutreach.com
Global Orphan Outreach exists to help adoptive families find and apply for adoption grants. This organization will research which grants are best for you, apply and fill out all paperwork for those grants for you, have them ready for your signature, and have them ready to be mailed in pre-addressed envelopes.
God’s Grace Adoption Ministry
P.O. Box 4
Modesto, CA 95353
Phone: (209) 572-4539
E-mail: info@ggam.org
God’s Grace Adoption Ministry is a non-profit organization helping adoptive parents overcome the financial burden of adopting children. It is not an adoption agency, but rather 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.
Helpusadopt.org
P.O Bos 20435
New York, NY 10021
Phone: 1-917-684-5484
E-mail: info@helpusadopt.org
Web site: http://www.helpusadopt.org
HelpUsAdopt.org is a national non-profit 501 (c)3 financial assistance grant program that will provide qualified couples and individuals with grants of up to $15,000 towards their adoption expenses. Grants are awarded twice a year in June and December.
His Kids Too!
Teresa Fillmon
219 B. Delta Court
Tallahassee, FL 32303
Phone# 1-850-524-5437
E-mail: director@hiskidstoo.org
Web site: http://www.hiskidstoo.org
His Kids Too!, a 501(c)(3) charity, is 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. The benefit of this program is that you are in control of your fundraising efforts and donors will have complete confidence that donations will go directly towards adoption expenses.
Home for Good Foundation
697 E. Intervale Rd.
Grants Pass, OR 97527-9022
(541) 479-5926
E-mail: adopt@hfgf.org
Web site: http://www.hfgf.org
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.
IBSEN Adoption Network
2730 French Road NW
Olympia, WA 98502
E-mail: ibsenadoptionnetwork@comcast.net
Web site: http://www.ibsenadopt.org
IBSEN is a Christian organization that provides grants up to $1,000 to families adopting waiting children, special needs children or hard to place children. Currently, this program is open only to residents of Washington State although they hope to expand to offer grants nationally in the future.
Kingdom Kids Adoption Ministries
1417 N. Lincoln
Spokane, WA 99201
509-465-3520
E-mail: ministry@kingdomkidsadoption.org
Web site: http://www.kingdomkidsadoption.org
Determination of grant amounts is based on a combination of the needs of the child, cost of the adoption, financial situation of the family and fundraising efforts.
Lifesong for Orphans
202 N. Ford St.
Gridley, IL 61744
Phone: 309.747.3556
E-mail: info@lifesongfororphans.org
Web site: http://www.lifesongfororphans.org
Lifesong for Orphans offers a “matching grants” program as well as interest free loans.
National Council for Adoption (NCFA)
225 N. Washington Street
Alexandria, VA 22314
Phone: (703) 299-6633 or toll-free at 1-888-628-7700
Web site: http://www.adoptioncouncil.org/finance.html
NCFA desires to financially assist families with adoption. In conjuction with Bank of America, NCFA offers an Adoption Line of Credit. A reliable, renewable source of funding.
Our Creator’s Hope, Inc.
939 Cedar Bend Rd S
Southside, AL 35907
E-mail: administration@ourcreatorshope.com
Web site: http://www.ourcreatorshope.com
Our Creator’s Hope believes that going into debt to give a child a home should not be necessary, so based on fund availability, OCH awards financial grants in the amount of $1,000-$10,000 to qualified families for domestic and international adoptions. OCH is a non-profit organization.
Sea of Faces
6920-B Bradlick Shopping Center #200
Annandale, VA 22003
E-mail: director@seaoffaces.org
Web site: http://www.seaoffaces.org/grants.htm
In order to be good stewards of the finances we’ve been given, applicants must meet the below criteria to be considered for a grant:
- You are adopting a child from a developing country
- You have a completed home study
- You are a married couple, one man and one woman
- Both individuals are professing Christians
Shades of Us
Phone: 1-541-884-8404
E-mail: kerribullock@shadesofus.org
Web site: http://www.shadesofus.org
Shades of Us is an organization created to help adoptive families raise money to offset the cost of adoption. Through its online store and through wholesale availability, adoptive families can sell products to family and friends. Families earn 40% of wholesale selling and 25% for orders of family and friends who purchase items online.
Shaohannah’s Hope
PO Box 647
Franklin, TN 37065
Phone: 615-550-5600
Web site: http://www.shaohannahshope.org
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.
