It’s no secret that adopting a baby in the United States today can be an expensive process. But, it doesn’t have to be as financially impossible as it seems.

With the proper financial preparation and adoption fundraising, prospective adoptive families can afford the adoption process in Kansas City and beyond. Because  each family’s financial situation is unique, it is important that every prospective adoptive parent considers closely the costs of different adoption processes to find one that’s right for them — and that they start their adoption fundraising early in the process.

Adoption professionals like Kevin Kenney are always available to discuss adoption costs and adoption fundraising ideas with prospective adoptive parents, but here are a few important tips everyone hoping to adopt should consider:

1. Choose the adoption process and professional that’s right for your budget.

Before beginning their adoption fundraising, every prospective adoptive parent should research which adoption process is right for their financial situation. When looking to adopt a child in the United States, foster care adoption is much cheaper than private domestic infant adoption. Private domestic infant adoption, on the other hand, is usually cheaper than an international adoption.

The best way to determine what an adoption process might really cost is by speaking to experienced adoption professionals like attorney Kevin Kenney. From there, prospective adoptive parents can learn more about adoption fees and payment breakdowns. This knowledge will help them choose the professional that’s right not only for their goals but also their budget.

2. Start your adoption fundraising from the beginning.

Many prospective adoptive parents have spent thousands of dollars on assisted reproduction before turning to adoption, and it can be difficult to commit to a process that will cost tens of thousands more. Gathering adoption funding will take time so, even if you’re only in the beginning stages of your adoption process, make sure to start fundraising and saving to meet the financial goals ahead of you.

3. Reach out to family and friends.

A key part of any prospective adoptive parent’s adoption fundraising is assistance from family and friends. Because many loved ones have seen prospective adoptive parents try to have children for years, they are often more than happy to help contribute to an adoption fund. Some hopeful parents create online fundraisers through sites like, or they choose to forgo receiving holiday gifts for receiving contributions to their adoption fund.

4. Research adoption grants and adoption loans.

Adoption is more common than ever, and financial institutions and adoption organizations have started offering adoption financial assistance to help prospective parents meet their adoption goals. In contrast to methods like credit cards, 401ks and home equity loans, adoption financial assistance is specifically created for the purpose of adoption. Therefore, they often come with adoption-specific requirements.

Adoptive parents applying for an adoption grant or an adoption loan may expect to do the following before becoming eligible for this adoption funding:

  • Finalize an adoption home study
  • Meet specific requirements, like be of a religious affiliation or have a certain credit score
  • Complete a detailed application

Before applying for any kind of adoption financial assistance, prospective adoptive parents should confirm their eligibility for that particular program.

Adoption attorney Kevin Kenney and other adoption professionals can help connect you with the appropriate loans and grants for adoption, but here are some larger organizations that offer this kind of adoption funding:

You can find a more extensive list of organizations here.

5. Take advantage of the adoption tax credit.

Every year, the Internal Revenue Service offers a federal adoption tax credit to parents who have adopted during that previous fiscal year. The maximum amount of the adoption credit varies each year, but it usually averages around $13,000.

While the credit is nonrefundable, any credit in excess of your tax liability can be carried forward to the next five years. Qualified expenses include adoption fees, attorney fees and court costs and traveling expenses. The adoption tax credit can be used for private domestic infant adoptions, foster care adoptions and international adoptions.

To learn more about the IRS adoption credit, please talk to an experienced tax attorney.

6. Practice money-saving tips in your everyday life.

While adoption fundraising is an important aspect of gathering adoption funding, prospective adoptive parents should also consider how their everyday lifestyle can be more conducive to saving money. Adoption costs can be expensive, and it may not be possible to raise them all through fundraising alone. In addition to hosting bake sales, car washes and other typical fundraising events, adoptive parents should be conscious of how they spend their money. To save more, they may consider finding secondhand baby supplies and throwing a baby shower on a budget.

For more ideas on how to save money for adoption, speak to a financial counselor.

7. Talk to your adoption professional.

Prospective adoptive parents should have in-depth conversations with their chosen adoption professional to understand not only the adoption costs they are expected to pay but also the timeline of payments expected. Your adoption professional may be able to work with you to create a schedule that works for your budget. Remember, your adoption professional should serve as your support system throughout your adoption journey, so it’s encouraged that you speak to them about any financial issues you have for their professional advice.

With the proper foresight and adoption fundraising, adoption costs need not prohibit hopeful parents from adding a child to their family in this way. To learn more about completing an adoption in Kansas City, call attorney Kevin Kenney at 913-671-8008.