A U.S. News & World Report article addresses this issue and shares how so many Americans are adopting and getting over that financial hurdle. Over 4,000 America World families have their own testimonies of how God provided, often miraculously, for their adoption.
If God is leading you to adopt, don't let finances be the reason for not moving forward. There are many resources available to adopting families (see the U.S. News & World Report article & America World's Financing Adoption page), countless ways to fundraise, and God is faithful.
America World website