Personal Loans for Adoption Expenses in the US
Planning to adopt? Compare personal loans for adoption costs in the US. Cover agency fees, legal costs, and home study.
Financing Your Adoption Journey
Adoption is a rewarding way to build your family, but the financial costs can be substantial. A personal loan can help make your adoption dream a reality.
Adoption Costs in the US
| Type of Adoption | Estimated Cost (USD) |
|---|---|
| Foster care adoption | $0–$2,500 |
| Private domestic | $20,000–$45,000 |
| International | $25,000–$50,000+ |
| Stepparent adoption | $1,500–$5,000 |
What Adoption Costs Include
- Home study: $1,500–$3,000
- Agency fees: $5,000–$30,000
- Legal fees: $2,000–$5,000
- Travel expenses: Varies by adoption type
- Post-placement visits: $500–$2,000
- Document processing: $500–$2,000
Federal Tax Credit
The Adoption Tax Credit allows qualifying families to claim up to $16,810 (2025) per child in adoption expenses. This can significantly offset your costs.
Recommended Loan Amounts
- Foster care: $1,000–$2,500
- Private domestic: $10,000–$30,000
- International: $15,000–$35,000
How to Apply
- Research adoption agencies and get cost estimates
- Check employer adoption benefits — many companies offer $5,000–$25,000
- Apply for a personal loan through 365 Loans US
- Use funds throughout the adoption process
Resources
- AdoptUSKids.org: Free information about foster care adoption
- Child Welfare Information Gateway: Federal adoption resources
- Dave Thomas Foundation: Grants for foster care adoption
- National Adoption Foundation: Adoption loans and grants
- Military OneSource: Adoption assistance for military families (up to $2,000)
Editorial Note: Our content is reviewed by financial experts for accuracy. We may receive compensation from partner lenders, which does not influence our rankings or recommendations. Read our full disclosures
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