MYTH: I Can’t Afford Adoption


At Holt, we never want finances to come between families and children who need loving homes. Yet, we recognize that the cost of adoption can feel like an obstacle for many families. Luckily, countless resources exist to help families offset the cost of adoption, and range from grants to creative, community-based projects.

Of course, some financial resources don’t involve fundraising at all. Many families apply for low-interest loans to cover adoption fees. There are also federal and state adoption tax credits, reimbursements for military service members, private grants awarded through an application process, like those offered by Brittany’s Hope, and Holt grants available to help families adopt older children and children with special needs.

“Don’t let the cost of adoption stop you from pursuing your dream of adopting. So many families that initially thought they couldn’t afford to adopt have received grants and loans and come up with amazing, creative ways to fund their adoptions,” Susie Doig, Holt’s senior director of adoption services says. “Not all fees and costs are due at once, so for most families there is a 1-3 year time period during which the adoption process is occurring that they can be actively working to come up with the total funds. It may take time, creativity and some elbow grease, but families that are financially stable and have the ongoing resources to care for a child can make their adoption dream a reality.”

Funding Your Adoption 101:


First things first: set a budget. provides a great toolkit of downloadable worksheets to help you plan your adoption.

Does your employer have an adoption reimbursement program? Ask your human resources department or visit for a list of adoption-friendly employers. For members of the military, visit

Are you eligible for adoption grants? Before applying, it is important to check eligibility criteria and application deadlines. Most grant organizations accept applications after the family has an approved home study. For a list of grant providers, visit

Adopting a child with special needs? Many organizations provide grants specifically for families adopting a child with a special medical or developmental need. Holt also assists families through Special Blessings grants, through our Special Needs Adoption Fund and by reducing program fees for some children with moderate to major needs.

Fundraise! From selling coffee purchased at a discount to coordinating a sponsored service project to crowdfunding online or hosting a good old-fashioned garage sale, options abound to raise funds for your adoption! Visit,, and for ideas and inspiration.

Most of all, remember to enlist your support network, talk with other adoptive families and be creative! For more information, visit

No Holding  Back
Ready to adopt, but short on funds, Kevin and Sarah Brown reach out to their community — and learn a beautiful lesson in return.

For Kevin and Sarah Brown, adoption felt like a natural choice. High school sweethearts from Nashville, Tennessee, they – like many young couples — knew they wanted a family someday. But also like many young couples, they weren’t in any hurry. “Then we turned 35,” Sarah says. After watching a documentary about children growing up in orphanages in China, they made up their minds.


“It got us thinking and we realized that is how we wanted to do it anyways,” Sarah says. “So we reached out to our local homestudy agency and to Holt and started barreling down the path.” A path that came with a number of decisions — country, China, gender, girl, special needs, yes. But then came the one question that didn’t have an easy answer.

How will they ever afford this?

The cost to adopt can be steep. With $24-52,000 in fees, expenses and international travel, hopeful adoptive parents face a total amount that often exceeds their available funds. While the Browns had ample resources to care for a child who needs a family, what they didn’t have was a spare $32,000 needed to bring her home.

Determined, they started to research different ways to fundraise for their adoption. As their income did not qualify them for many grants, they knew that they would have to become creative. They planned a garage sale at their church and held a benefit concert featuring singer-songwriters from their hometown. “We raised almost $7,000 in one weekend from those two events, which is pretty incredible,” Sarah says.


While family and friends rallied around them, they realized how much just sharing their story would inspire their extended community to support their adoption. “We created a blog so people could have insight into why we’re adopting,” Sarah says. Soon, people started commenting, asking how they could help. With the momentum from their blog, the Browns built a profile on Adopt Together — a crowdfunding site that helps families raise funds to cover their adoption expenses. All donations are tax-deductible, and families receive 100 percent of what people donate to their cause. Any amount raised over and above their fundraising goal then gets distributed among families that don’t reach their goal.

“It was very difficult to think about the idea of asking people for money,” Sarah admits. “At least, that’s how it felt until we started sharing our story… We were blown away by how many people became invested in this child that none of us had ever met.”?Key to their story was the fact that their daughter, Julia, had special needs that might require medical care or specialized therapies once home — an extra expense that more and more adoptive families are now facing.

Recognizing this growing need, many organizations now offer grants specifically for families adopting children with special needs. Brittany’s Hope Foundation offers seedlings gifts to pay a portion of a family’s country program fees. The United Healthcare Children’s Foundation awards grants to cover prescribed medical services not fully covered by insurance. Holt also created our own Special Needs Adoption Fund to ensure finances never stand between a loving family and a child who?needs one.

Amazingly, however, the Browns raised enough from their independent fundraising efforts that they didn’t need to apply for any special needs grants.

“It was beautiful how many anonymous donations we received,” says Sarah. “It was difficult because we wanted to thank them, but I think it speaks to the authenticity of people wanting to be part of this story and not because they felt guilty or pressured. People were rallying behind this child.”

Uplifted by the support of friends and family, the Browns joyfully brought Julia home in April of 2014 at 22 months old. Although Sarah and Kevin were open to a child with a more serious health condition, Julia didn’t require surgery or involved medical care. She did, however, have fairly severe developmental delays. But through physical, occupational and speech therapy — and most importantly, the devoted loving care of her parents — Julia made rapid progress. “She’s so sharp and bright and wants to learn,” says Sarah. “She was very cautious at first, but once she started trusting us, she just opened up.”

Although Julia’s medical care was minimal compared to what the Browns were expecting when they started their adoption journey, they feel grateful for the funds they were able to save for the cost of her therapy — which, “oh my goodness, got expensive,” says Sarah.?In reflection, Sarah says learning to accept support, without guilt, was vital to their fundraising effort. “ The hardest part for us was getting over that hurdle of asking people for money,” she says. “But once we did, we got our story out there and realized how much people wanted to give… Learning that lesson of how to receive and be grateful and not guilty was beautiful for us.”


So what’s Sarah’s advice to families starting to fundraise for their adoption? “Don’t hold back. Don’t be bashful,” she says. “You just have to put yourself out there and be vulnerable. And then get ready for an outpouring of love and support.”

For more financial assistance options and advice.

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