From Heart to Home Kansas Infant Adoption Program
For many families, the decision to pursue private infant adoption requires financial
consideration. Fortunately, there are various grants and loans available to families
who want to add to their family through private adoption. Groups who offer grants
often stipulate the types of adoptions or the types of families they will provide
assistance to. The Kansas Children’s Service League does not have an adoption grant
or loan program for individuals. Following is a list of organizations that provide
financial assistance for adoption.
Adoption Foundation grants are only available to families for the
actual cost of the adoption. NAF loan programs and other services are open for any
expenses an adoptive family may have before, during or after their adoption is finalized.
This also includes post placement services. For more information, please call (203)
The Gift of Adoption
Fund is a public charity. The Fund provides financial assistance
in the form of grants for adoptive parents. For further information call (877) 905-2367.
awards financial grants to qualified families already in the process of domestic
and international adoption. Please call (615) 550-5600 for more information.
A Child Waits Foundation
is a nonprofit charitable foundation formed to increase the number of children adopted
from international orphanages by helping fund the cost of adoption. Eligibility
to receive a loan is based on financial need. Please call (866) 999-2445.
North American Council on Adoptable
Children The Adoption Subsidy Resource Center provides general
information on how each state operates their subsidy program. Families who are adopting
children from the foster care system in the United States and Canada should speak
with the child’s caseworker or the adoption worker assigned to the case about an
adoption subsidy. For further information, please call (800) 470-6665.
The Orphan Foundation’s
primary mission is to help eliminate or minimize the financial barriers to adoption
by providing grants of $1,000 for each child adopted, and $1,500 for each "special
needs" adoption. Grants are subject to funding availability, the basis of need,
completion of a home study, and other factors shown in the application. To apply
for these grants, you may go to the website and click on the link that says "Grant
Application." For further information, call (805) 823-3552 or visit the website.
World Association for Children
and Parents believe that financial concerns should not prevent
qualified families from adopting children. They have set up special funds and programs
to help parents cover the costs of certain adoptions. For more information, please
call (206) 575-4550.
- African-American Infant Revolving Loan Fund. Families who adopt
through WACAP's African-American Infant program may apply for a loan through this
fund. No-interest loans of up to $4,500 over three years are available on a revolving
basis. As loans are repaid, future loans are available.
- Waiting Child Revolving Loan Fund. This fund has been established
to benefit WACAP waiting children with special needs for whom fees are a significant
barrier to adoption. No-interest loans of up to $4,500 over three years are available
on a revolving basis. As loans are repaid, future loans are available for future
- Waiting Child Adoption Subsidy Fund. This fund was established
to help unite children with permanent families by reducing WACAP's processing and
referral fees. Adoption subsidies may be available for the adoptions of certain
children in WACAP's Family Finders program who may be waiting because they are older,
have medical concerns, or are members of a sibling group.
- Promise Children. In some circumstances, WACAP makes a special
commitment to help a particular child find a "forever family." These children are
Promise Children. Funds are available to cover nearly all adoption expenses for
Promise Children, and adoptive parents may also apply for interest-free WACAP loans
to cover travel expenses.
is 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 of up to $15,000 towards their adoption expenses.
For more information call (917) 684-5484
Adopting families should also consider:
Family Medical Leave Act (FMLA): The federal FMLA and the California
counterpart, the California Family Right Act of 1993 (CFRA) provide employees with
the right to an unpaid leave of absence for up to 12 weeks within a 12 month period,
for family and medical responsibilities. FMLA can be taken in the event of an adoption.
Employers who regularly employ 50 or more employees may be eligible. One must have
been employed for at least 12 months and worked at least 1250 hours during those
preceding 12 months.
Employee Benefits: A growing number of companies and government
agencies now offer adoption benefits. Employer provided adoption benefits might
include financial reimbursement, paid and unpaid leave and resource and referral
services. For information and advice on seeking adoption benefits call (877) 777-4222
or visit www.AdoptionFriendlyWorkplace.org.
The Adoption Tax Credit: The tax credit grants adoptive families
an income tax break of $11,650 (for tax year 2008) for adoption expenses, and expenses
incurred in domestic adoptions of children with special needs. Adopting families
should consult tax advice from a legal or tax professional to claim the Adoption
Tax Credit. To learn more about tax benefits, please review the IRS publication
“Instructions for Form 8839” available through the Internal Revenue Service at (800)
829-3676 or www.irs.gov.
Credit Unions: Many Credit Unions offer an adoption loan program.
Banks: Most banks offer home equity loans for adoptions or equity
lines of credit with the interest qualifying for a tax deduction. Check with your
bank and tax accountant concerning eligibility for the tax deduction.
Bank of America offers unsecured personal loans for a variety of
purposes, including adoption. Bank of America may be contacted at (888) 457-2543
Life Insurance: Many families borrow from a 401K or Life Insurance
Policy to cover the cost of adoption.