Bot-extracted from each funder's own site (`adopt funding`); first matches, unverified. Verify before relying on any figure.
| Funder | Kind | Amount | Deadline | Eligibility / tradeoffs |
|---|
| 401(k) loan | loan against retirement | Up to the lesser of $50,000 or the greater of $10,000 or 50% of vested balance | Repay within 5 years, at least quarterly (longer only for a home purchase) | PRO: no credit check or home at risk; interest goes back to your own account. CON: your plan must allow loans; may not cover the full cost; unpaid balance is a taxable 'deemed distribution' (early-distribution tax can apply) if you default; leaving your employer can trigger an offset, rollover due by your tax-return deadline. Source: IRS, read 2026-11-09. |
| HELOC / home equity loan | loan against home | Set by your home equity and lender; not researched | Lender-specific; not researched | PRO: rates usually lower than unsecured loans; no retirement-tax risk. CON: your home is collateral; closing costs and rate terms vary by lender. Secondary source (mortgage blog), not verified with a lender: get quotes. |
| Lifesong for Orphans | grant+loan | $6k–$10k (Grants), $8k–$14k (Adoption Loans), $10k–$20k (Loans), average $10k (Loans), $8k–$12k (Grants), up to $17,670 per child in 2026 (Adoption Tax Credit), up to $5,120 refundable | not published | Home study approval required before applying for loans and grants; Home study not required to start a fundraising page; Christian families mentioned; Income phaseouts apply at higher earning levels |
| Show Hope | grant | $8,000 to $12,000 each | January 5, 2027 | Statement of Faith; Home study or home study update must be completed; Agency must be a 501(c)(3) nonprofit organization licensed to place children for adoption; Approved home study |
| Gift of Adoption Fund | grant | $15,000 | not published | U.S. citizen; approved adoption home study required (from Hague accredited agency for international or licensed social worker/agency for domestic); Financial need, perseverance, and imminence of the adoption must be demonstrated; Committee considers annual household income, monthly income, expenses, assets, and debts; Fee waivers available if matched/placed, total cost < $14,000, and household income < $65,000 |
| Abba Fund | loan | not published | not published | not published |
| Tim Tebow Foundation Adoption Aid | grant | $7,000 and $10,000 per family | not published | Adoption costs can round up to tens of thousands of dollars, including agency fees, home study expenses, court and legal fees, travel expenses for international adoptions, and other related costs. They got married in June of 2009. |
| A Child Waits | grant+loan (international) | $8,000 | 2026 | faith: not published, marital status: singles and couples, state: United States or Canadian Citizens, income: not published, home study: completed homestudy required (with exceptions for circumstances where adoption doesn't require one), fees: no application fee |
| Brittany's Hope | grant | $100,000 | not published | working with one of our affiliate agencies; the child must be designated as having 'special needs'; the adoption must be international |
| Help Us Adopt | grant | $1,000 - $30,000 | not published | Faith: not published; Marital status: not published (open to all); State: US citizens/residents or APO; Income: not published; Home study: Must have a completed, approved, and current home study; Fees: Application fee amount not published |
| American Christian Credit Union | loan | not published | not published | not published |
| IRS adoption credit | tax credit | $5,120 per qualifying child | not published | Earned Income Credit (EITC); Individual Income Tax Return; Amended Individual Income Tax Return; For tax year 2025 only, unused adoption credit carryforwards from 2020–2024 may be refundable up to $5,000 per eligible child; If you adopt an eligible child, you may be able to claim the Adoption Credit and/or income exclusion for employer-provided adoption benefits |
| Gift of Adoption: apply | grant | $15,000 | not published | U.S. citizen; approved adoption home study required (from Hague accredited agency for international or licensed social worker for domestic); financial need, perseverance, and imminence of adoption must be demonstrated; committee typically reviews after match/referral accepted and adoption expected within six months; household income, expenses, assets, and debts considered |
| Lifesong: application | grant+loan | not published | not published | Traditional, 2-parent Christian families; U.S. citizens; Homestudy must be complete before application submission |
| National Adoption Foundation | loan+grant | not published | not published | Faith: Christian (implied by 'National Adoption Foundation' name and typical faith-based foundation structure, but not explicitly stated in snippets provided); Marital Status: not published; State: not published; Income: not published; Home Study: required (standard for adoption loans/grants, but not explicitly stated in snippets provided); Fees: not published |
| Pathways for Little Feet | grant | $10,000.00 | not published | Christian; Approved Home Study; Must be Working with a Licensed Adoption Agency |
| A Chance for a Child | grant | not published | not published | not published |
| Dave Thomas Foundation: financial resources | directory (foster-care focus) | up to $2,000 | not published | adoption of a child with special needs |
| Alliance for Children: funding | directory | not published | not published | not published |
| Lifetime Adoption: financial assistance | directory+grant | not published | not published | not published |
| IRS: adoption credit and employer assistance | tax credit + employer exclusion | $5,000 per eligible child (for tax year 2025 only, unused adoption credit carryforwards from 2020–2024 may be refundable); Up to $5,120 is refundable per qualifying child; $265,080 or less – the full amount of the credit is available to claim; $265,081 to $305,079 - the credit is available but reduced; Up to $17,670 from your income in 2026 if your employer paid you those benefits | If you owe certain past-due debts, all or part of your refund may be offset; If your refund was reduced because it was applied to certain past-due debts and you believe your spouse is entitled to a portion of the refund, you may be eligible to file Form 8379, Injured Spouse Allocation | Earned Income Credit (EITC); Individual Income Tax Return; Amended Individual Income Tax Return; Earned Income Tax Credit; For tax year 2025 only, unused adoption credit carryforwards from 2020–2024 may be refundable up to $5,000 per eligible child; If you adopt an eligible child, you may be able to claim the Adoption Credit and/or income exclusion for employer-provided adoption benefits |
| Military adoption reimbursement | employer (military) | not published | Reimbursement must be requested no later than two years after an adoption is finalized | Married Life & Domestic Partnerships; Service members on active duty, including reserve or National Guard members who are called to active duty for 180 or more consecutive days; Adoption of a child under 18 years of age |
| AdoptTogether | crowdfunding | $50,000 | not published | Homestudy Completed; WE ARE HOME STUDY APPROVED |
| GoFundMe fees | crowdfunding | not published | not published | not published |
24 rows. Click a header to sort.