Financing Adoption

America World Adoption Discounts

America World offers the following discounts for families who qualify:

Pastor’s discount: One of the two spouses or the single applicant must be a minister (working 20-40+ hours per week) as defined by the IRS and the combined income of both spouses must be $70,000 or less (including housing allowances) for a 4-person household with a $5,000 increase for each additional dependent household member). The prospective adoptive family meeting this requirement is eligible for a 10% reduction in program fees.

Military Discount: One of the two spouses or the single applicant must be in a branch of the military on active duty, and the combined income of both spouses must be $70,000 or less for a 4-person household with a $5,000 increase for each additional dependent household member). If the applicant(s) meet these requirements, they will receive 10% off program fees for the country in which they are adopting.

Second Adoption Discount: If the family is adopting through America World for a second, third, fourth, etc. time, they are eligible for a 10% discount on America World program fees, regardless of the country in which they are adopting.


Adoption Grants

A Child Waits Foundation
A non-profit charitable organization founded in 1998 that provides adoption grants

Be The One (Indiana, Ohio, Kentucky Residents Only)
Be The One, Inc. provides $500.00 grants to those families in the process of adoption

Both Hands Foundation
Both Hands Foundation is a practical example of James 1:27 where God commands believers to care for the orphan and the widow. They are partnered with Lifesong for Orphans to provide financial assistance to adoptive families, in addition to providing widows with landscaping and home repairs.

Caroline's Promise (North & South Carolina Residents Only)
The purpose of Caroline’s Promise is to reclaim hope for orphans through adoptive family assistance, orphan care & education.

CMomA Grants
The CMomA Grant Program Objective is to give up to twenty $5,000 CMomA Grants per year to eligible new parents adopting older children in need (age 3-17), both domestically and internationally.

Connected Hearts Ministry
Connected Heart Ministry's mission is to raise funds and care for orphans most often overlooked for adoption, including children with special needs, older children, and sibling groups. They provide matching grants and help families fundraise so they can adopt the child God called them to.

Connecting the world one child at a time by providing home study grants to adoptive families.

Ephesians 3:20 Foundation
Ephesians 3:20 Foundation exists to glorify God by helping gospel-centered families fulfill their call to adopt through adoption grants and assistance.

Every Child Has a Dream
Grants primarily to Christ-centered, two-parent families adopting special needs children

Families Outreach
Families Outreach seeks to help couples pursuing adoption by providing grants to ease the financial cost. The cost of adoption can be daunting, and we never want to see a couple discouraged from adopting due to the initial financial hurdle.

Forever Family Adoption Fund  (Montana Residents Only)
Focused efforts on Montana families with the greatest financial need who complete the process with integrity and demonstrate their ability to provide a loving home. Grants are for residents of Montana who reside in Montana.  In the case of limited resources priority will be given to people residing in Missoula or Ravalli county.

Gift of Adoption Fund
Gift of Adoption is a national charitable organization that inspires adoption by providing grants to qualified parents – giving children who need families a permanent home and a chance to thrive. The Gift of Adoption provides grant amounts up to $7,500.

Grafted Families
Grafted Families is a new organization in the field of adoption grants. They heavily favor adoptive families experiencing a financial shortfall in their adoption of difficult-to-place children – medical or other special needs, age, etc.

Heart of the Bride
Heart of the Bride is dedicated to helping provide for the needs of orphans around the world. They provide assistance grants to adoptive families.

Help Us Adopt is a national non-profit 501(c)(3) financial assistance grant program providing qualified couples and individuals with grants of up to $15,000 towards their domestic, international, foster, or special needs adoption expenses.

JSC Foundation
At JSC Foundation, their hope is to assist Christian couples for which the cost of adoption is a hardship. We are pleased to be able to partner with some of these families as they step out in faith by following the call, allowing one more orphan to come home to their forever family!

Katelyn's Adoption Fund
Katelyn’s Fund brings orphan awareness to others, provides emotional and prayer support to families, and assists Christian families with the high costs of adoptions.

Lifesong For Orphans
Lifesong for Orphans encourages Christian couples to adopt a child by relieving some of the financial burdens of international and domestic adoption. They provide Adoption Matching Grants from $1k-$4k per child, and also offer Interest-Free Loans up to $10,000

Lydia Fund
Exists to glorify God by assisting families & orphans by praying, providing financial assistance and encouraging others to join the mission.

Never Alone Foundation
Providing grants for international adoption (Zoe's Rainbow), special needs adoption (Lucy's Love), and post-adoption support services (Hannah's Halo).

Open Hearts for Orphans
Caring for orphans through medical intervention, meeting basic needs and providing financial assistance to adoptive families through their "Say Yes" grants.

Reece's Rainbow Grants
Reece’s Rainbow promotes the international adoption of children with Down syndrome and other special needs.  By raising money to offer adoption grants on waiting children, they are able to give adoptive families the extra financial help they need to bring a child with Down syndrome or other special needs home.

The Rollstone Foundation
The Rollstone Foundation's mission is to aid in the adoption of special needs children.

United Healthcare Children's Foundation
UHCCF grants provide financial help/assistance for families with children that have medical needs not covered or not fully covered by their commercial health insurance plan. The Foundation aims to fill the gap between what medical services/items a child needs and what their commercial health benefit plan will pay for.

Show Hope
Show Hope, a ministry of Steven Curtis and Mary Beth Chapman, has been established to care for orphans by engaging the church and helping Christian families reduce the financial barriers to adoption.

Special Needs Adoption Subsidy (Domestic Adoption)
Families who adopt a special needs child who is born in the United States are eligible to apply for financial assistance toward adoption costs and ongoing financial assistance for the care of the child through adoption subsidy. The amount of the assistance varies by state.

Adoption Loans

America's Christian Credit Union
Many America World families have received help from America's Christian Credit Union.   They provide a wide range of financial services, primarily focusing on service and stewardship, to make every dollar count.  Not only do they offer financial help for adoption, but they also want to be sure you are taking advantage of the many fundraising opportunities out there to keep your bridge loan as low as possible!

Abba Fund
The ABBA Fund provides financial assistance to Christian couples who are called by God to expand their families through adoption and who need help with the “cash flow crunch” posed by adoption expenses.

A Child Waits Foundation
A non-profit charitable organization founded in 1998 that provides low-interest loans for prospective adoptive parents

Other Adoption Financing Resources

Eternal Family Program
America World no longer directly facilitates this program but partners with Lifesong for Orphans for this great resource to help fund your adoption.

IRS - Adoption Tax Credit Information
IRS tax forms and information about the credit

Tax Benefits for Adoption: The Adoption Tax Credit
Information for general educational purposes in reducing adoption costs through the Federal Adoption Tax Credit.

Pure Charity
Create fundraisers for your mission trip, adoption, or to support the charities you care about.

Q&A's -- Adoption Taxpayer Identification Number (ATIN)
Provides information to taxpayers who need a taxpayer identification number for a child who has been placed in their home pending final adoption.

The Shepherd's Crook Ministry 
The Shepherd's Crook Ministry enables others to make tax-deductible donations which can be used for adoption costs.