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Refinancing can help by reducing your monthly mortgage payment, and the surplus could then go into savings toward your adoption costs.It can also help if you are able to use your home equity and higher appraisal of your home’s value to refinance for an amount higher than your current mortgage, using the excess amount to help with your adoption costs.Legitimate adoption expenses would include, but are not limited to, Life Long Adoption's fee, attorney fees, agency fees, consultation fees, and legitimate birth parent expenses.Qualifying adoption expenses are reasonable and necessary adoption costs, attorney and court fees, traveling expenses (including amounts spent for meals and lodging) while away from home, and other expenses directly related to, and whose principal purpose is for, the legal adoption of an eligible child.** Please contact your tax specialist to see if you qualify for the Adoption Tax Credit.Click here for more specifics about the Adoption Tax Credit from the IRS.: might be eligible for a loan through one of these providers!Be careful to take out only what you can afford to repay monthly should you be unable to raise extra funds.

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Even so, it is an option that many have used to help pay for the cost of adoption.

Some may balk at the thought of going into debt for adoption costs, but just as many won’t think twice about taking out a loan to buy a car, buy a house, go on vacation, etc. When choosing this method to generate the funds needed, keep in mind that you must pay this money back.

You can use your full tax refund(s) from using the Adoption Tax Credit.

Fortunately, there are many resources available to assist you.

We want to help make your dream of adoption come true, so we’ve provided information about these resources below.

Sometimes the deadline for payment of adoption-related fees arrives before a family can raise the funds.

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