- Adoption + Fatherhood

You Can Afford to Adopt

This is the second post in our new series, The Reality of Adoption: Confronting Common Myths. To read Michael Monroe’s overview of the series, click here.

The Myth: It costs too much to adopt.

The Reality: With help many people making a modest income can afford to adopt.

For many families the dream of adoption ends when they see how much it costs. What was once a great desire is squashed by the reality of $20,000 – $40,000 in fees. For many, this seems impossible at first. What do you do if you find yourself in this position? Please don’t give up hope! Though the costs seem high, there is great encouragment from God’s Word about God’s ability to provide. There are also a growing number of resources available to help families with the cost of adoption.

First, remember that God personally knows the high cost of adoption. It cost Him the blood of His only son to adopt His children. The price we pay in adopting pales in comparison. Also, remember that God loves to provide for His children. Jesus said, “If you sinful people know how to give good gifts to your children, how much more will your heavenly Father give good gifts to those who ask him” (Matthew 7:11). There a lot of good gifts that God gives to His children and adoption is definitely one of them! Not only does God love to provide but He is able to provide. Paul reminds the Corinthians that “God will generously provide all they need” (2 Cor 9:8). This reminds me of the fridge magnet in my grandparents home that said something very true: “Where God guides, God provides.” If you are sensing God’s call to adopt then God will not leave you without the means. That is not to say that it will be easy. On the contrary it seems that God often likes to bring us through difficult experiences so that we will have to trust Him all the more. Though challenging, it is those times that we grow most in our relationship with the Lord and it is in these circumstances that we often see God provide in the most wonderful of ways.

My wife and I felt the call to adopt when I was just starting out in ministry. I was in a small church plant, going to seminary, and my salary was very low. We had no resources of our own and had to trust that God would provide for the whole cost of the adoption. There were many times when I struggled with believing God could or would do this but He did. Every dollar for the adoption came through gifts of family and friends, an interest-free loan, a matching grant, personal fundraising, and a grant. We experienced the whole gamete of help available! I was left humbled and awed at God’s goodness and the kindness of others!

Now four years later, I have the joy of working full-time for the ministry that provided us with an interest-free loan for our adoption. Everyday I have the privilege of hearing from families stepping out in faith and putting the call of God and the love of these children before their desire for financial security. To top it off I hear story after story of God’s faithful provision through various means. More than ever I believe “where God guides, He provides.”

This leads to the second thing to remember as you consider the cost of adoption; there are many financial resources available to those adopting. These include the Government’s Federal Adoption Tax Credit, interest-free loans, grants, and personal fundraising (click here for a list of these resources). Further, an increasing number of churches are helping families by establishing local church adoption funds. This enables the church body to tangibly care for people and join in the adoption journey. Don’t be afraid to share your need with others and invite them to pray and to help financially if they are able. For many, it is a joy they don’t want to miss out on!

When you look at the cost of adoption it can be daunting! Do not let it stop you in your tracks. Pray about it. Trust in God’s ability and love to provide. Then do all you can to tap into the resources available. The cost may be high but it is definitely worth it. In fact, it is priceless. It is your child that God has planned for your family!



  1. [...] the entire post HERE. [...]

  2. Great post Jason!! I beleive this is the number one road block for most couples. My wife and I living from paycheck to paycheck finally trusted God as this was something that He wanted us to do. God was and is faithful, as now we have two adopted children. You’re absolutely right, I couldn’t imagine my life without these two sweet boys had we not trusted God for the resources. Praise be to Him!

  3. [...] The article includes links to an extensive list of financial resources for those who wish to adopt.  Read it here. [...]

  4. Excellent article. Thanks also for the article on funding ideas and financial resources. I had written a post about my pastor’s adoption a few days ago, and decided to follow it up with a link to this article because of some of the comments on my first post. Thanks again.

  5. Most recently, someone in my family told me I was just looking for handouts. My kids had made up a jar and wrote “adoption fund” on the jar. Some people have given to us through this way. At first, when we decided to adopt, we asked people to help. But over the next few months, I sincerely felt God asking us to just trust Him with the adoption money. I didn’t feel like using my own methods was bringing glory to God in any way. So I just didn’t ask. I prayed. We are still in the homestudy process, but we have received about $5000 just from people giving “just because”. I never asked them. They just gave. And although I know we have a long way to go, I totally trust that God will see this through since it is His vision and plan for our lives. This family member told me that I shouldn’t adopt because I can’t afford it. I wonder how much of this just makes people uncomfortable because they don’t understand it. These words of course bother me, but I have come to realize that I need to trust in God…completely…and ignore stupid comments from other people who just can’t be happy about anything. This blog reminded me of this truth. Thank you for sharing it.

  6. Your 2nd paragraph is the theme of our lives right now! He provided $40k when we had none!

  7. I keep joking that “Jesus is putting money into our bank account”. It does not add up that we’ve been able to pay what amounts to almost 1/2 of our annual income (one income, fulltime ministry) in CASH for our adoption process over the course of 10 months. We, too, have experienced people giving without our asking, done some selling of extra “things”, and a sale to help out, but it’s so true. When God calls, you don’t say no b/c of the $$$ aspect. We’ve left that up to Him and He’s knocked our socks off in the unconventional ways He’s provided every step of the way. We’re currently waiting to travel and just got an 11th hour call that there’s $$$ in a 0% interest loan fund allotted for our travel plans, praise God! We’ve been saving and saving and just couldn’t seem to reach the whole cost plus unexpected/unanticipated costs and now we don’t have to worry about them, they’ll be covered. Thanks for this reassuring article.

  8. Thank you for all your comments!

    Scott – It is amazing what faith leads us to do even when it seems unrealistic or unwise at times in the worlds eyes (and even the church!). Often times it leads to the greatest joys in life.

    Barry – Thanks for linking and for sharing God’s faithfulness to provide on your blog. Thanks for your support of your pastor too!

    Michelle – Thank you for sharing your experience. I think there are many others than can relate. It is awesome to hear that you have kept moving forward trusting in the Lord no matter what others said (and often it is hardest when it is family!) I also love the George Muller like faith – just asking God and trusting He will lead people to give and He gets all the glory. I have wrestled with that very thing personally and we have as an organization trusting God for funding. Your experience is very encouraging!

    Kendra – Amen! I think of your specific situation often when I think of God’s faithfulness and ability to provide in adoption!

    Jenna – What a great testimony you guys have! Glory to God! Love how God knocks our socks off by doing things “unconventionally!”

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