Assistance for Adoptive Families

There are many resources and supports available to assist families with their decision to adopt.

Adoption Subsidy

Some of the children who are adopted through Child Welfare are considered children with “special needs.” Special needs, as defined by the Department of Children and Families includes:

  • A child who has one or more special needs as a result of a mental, emotional or physical impairment, behavioral disorder, or medical condition that has been diagnosed by a licensed professional who is qualified to make the diagnosis
  • A child who is a member of a sibling group of 2 to be adopted together and one of the children is 8 years of age or older
  • A child is a member of a sibling group of 3 or more to be adopted together
  • A child is a member of an ethnic or cultural minority of whom reasonable, but unsuccessful efforts to place the child in an adoptive home were made and documented
  • The child’s birth and/or family history places the child at risk of having special needs but, due to the child’s age, a reliable diagnosis cannot be made.

Adoption subsidies are available to parents who adopt children who have physical or mental disabilities, or severe emotional problems. In addition to those children who qualify for subsidy through the Federal Title IV-E Adoption Assistance program, state subsidies are available to offset the additional costs of caring for a child with special needs. The subsidy programs are intended to remove financial barriers to the adoption of children with special needs, but they are not intended to cover the full cost of raising a child. The amount of the subsidy cannot be greater than the amount that child would have received had the child remained in a family-based foster care setting. The benefits available through the adoption subsidy programs are determined on an individual basis and may include monthly care and maintenance payments (a daily rate), health insurance coverage.

Adoption Tax Credit

In the summer of 2001, the Federal Adoption Tax Credit was updated. The most important update was to expand benefits to children with special needs adopted from the U.S. foster care system. Originally families adopting from the foster care system could claim the adoption tax credit, provided they had qualifying expenses. Unfortunately, the IRS list of qualifying expenses was limited to the cost of the adoption process, but not the day-to-day costs of raising a child with special needs. However, beginning in tax year 2003, families adopting a child with special needs from foster care, had access to this same tax credit without needing to document expenses. Since tax year 2005, the tax credit is $10,630 and you have the current year and up to the next five years in which to use it. For families that adopted in 2002 or earlier, you can only claim the credit against expenses you paid related to the adoption process.

If you have questions on the adoption tax credit, contact the North American Council on Adoptable Children at 651-644-3036 or You can also visit the IRS website at or call 1-800-829-1040.

Employee Benefits

Employer adoption benefits may include reimbursement for costs, paid or unpaid time-off and other support services. For more information contact the Dave Thomas Foundation for Adoption at 1-877-777-4222 or, or visit their website.


Getting Started

Disclaimer: The views and opinions reflected in the blogs listed below are those of the writer and do not necessarily reflect those of A Family For Every Child.

Financial Aid

Before you take a loan out from someone else, consider borrowing money from yourself. Many company 401k plans allow employees to borrow up to 50% of their current 401k balance. Keep in mind, however, that there may be a fee associated with withdrawing from your 401k early.

Adoption Grants, Loans and Fundraising Resources

    • Peer to Peer Fundraising
      Peer to Peer fundraising gives potential adoptive parents the opportunity to include their friends and family in a fundraising effort for adoption fees to begin their adoption journey.
    • Adopt Together
      AdoptTogether is a non-profit funding platform helping families raise money to pay for adoption costs.
    • Both Hands
      Organization that helps with raising funds for a specific family’s adoption.
    • Pure Charity
      Develop a project to help you raise money toward your goal of adoption.
    • You Caring
      Simple way of raising funds by setting up a profile for your cause.
    • ABBA Fund
      Adoption Assistance for Christian families in the form of interest-free loans.
    • Adoption Subsidies
      Information on adoption subsidies courtesy of NACAC.
    • Affording Adoption Foundation
      Families may apply for grants to help finance their adoptions.
    • Boatner Family Foundation(no link)
      This foundation provides grants from $1,000 up to $10,000. They require an agency approval, a financial statement, and a formal application. P.O. Box 132272, The Woodlands, TX 77393
    • Gift of Adoption Fund
      Provides grants to qualified adoptive families.
    • God’s Grace Adoption Ministry
      Provides financial assistance to Christian families seeking to adopt in the form of grants and interest-free loans.
    • Hebrew Free Loan Association
      Provides interest-free loans to Jewish families living in Northern California.
    • Help available to adopt special needs kids
      A Chicago Tribune article on grants available to families adopting special needs children.
    • Heart of the Bride
      Fundraising Resources for Adoptive Families
    • Helping Kids Cope
      Helps families defray the cost of adoption through their Parens-to-Be program.
    • Help US Adopt
      Help US Adopt offers adoptive families grants of up to $15,000 towards their domestic, international, foster, or special needsadoption expenses.
    • LifeSong for Orphans
      Offers adoptiongrants, loans, and funding solutions.
    • National Adoption Foundation
      Awards grants four times a year, and also has a loan program.
    • Parenthood for Me
      Provides adoption or medical grants to families who do not have children.
    • Resources 4 Adoption
      Resources 4 Adoption offers information on over 40 grant programs, adopting coaching, social networks, loans, fundraisers, employer benefits, military benefits, and more.!
    • The Value of Adoption Subsidies: Helping Children Find Permanent Families
      NACAC guide for adoption professionals on the value of adoption subsidies and the benefits they provide to children and families.
    • Adopt Without Debt: Creative Ways to Cover the Cost of Adoption
      The author Julie Gumm shares how to apply for grants, fundraise, and find extra money in your budget to finance your adoption.
    • The Adoption Planner
      Adoptive Families provides downloadable worksheets for selecting an adoption route, budgeting and planning.
    • Adoption Costs and How to Meet Them
      In this free webinar from Adoptive Families, learn about the common costs of adoption, and how to finance your adoption through grants, loans, fundraising, the adoption tax credit, financial gifts, and more.
    • Resources 4 Adoption
      Provides adoption financing education, information, and resources.

Associates Home Loan Adoption Grant
The $1,000 Associates Home Loan Adoption Grant was created in 2020 to assist those who are wanting to adopt but may need financial assistance in the process.

Idaho Resources

Post-adoption Family Resources


Legal Services:

Therapeutic Intervention and Counseling:

Mental Health Services:

Support Groups:

Trauma-Informed Care:

Idaho Disability Resources:

State Services:

Dental Services

Advocacy Groups:

Assistive Technology:

Community Engagement / Day Activity / Recreation and Respite Programs:

Horse Riding:

Early Intervention:


Teen and Adult Employment Services:

Financial Services:

Parenting and Family Support Groups:


Oregon Resources


Getting Started

Searching for Children

  • NWAE
    Photo listing of waiting children in Oregon.
  • OARE Kids
    Oregon families may create an account with OARE to view more waiting children that cannot be listed publicly, and to create a family profile to connect with searching caseworkers.
  • WWK Recruiters
    Scroll down and click on Oregon to view contact information for Wendy's Wonderful kids Recruiters families may contact regarding waiting Oregon children.
  • Heart Gallery Of America
    Photo lists of waiting children

Post-Adoption Support and Resources

Adoption Assistance

Disclaimer: This information is not intended to substitute as, or for, legal advice