Understanding Adoptions Costs and Funding Options

Written by Cindy | Aug 13, 2025 5:59:14 PM

Adoption is a beautiful journey that builds families and changes lives, offering hope and stability to children while fulfilling the dreams of parents. However, the financial aspects can feel overwhelming. At the St. Joseph Adoption Support Fund, managed through the Catholic Foundation of North Georgia, our mission is to ease that burden so families can focus on loving a child rather than stressing about expenses. We provide grants to trusted Christian agencies like Covenant Care Adoptions and Lifeline Children’s Services in the greater Atlanta area, helping make adoption more accessible. By sharing this information, we aim to raise awareness about the process and costs to encourage donations to our endowment fund, ensuring ongoing support for years to come.

Below, we've compiled key details on the costs of newborn domestic adoption in Georgia, along with funding options, based on the latest 2025 data. Remember, costs vary by case, and foster care adoptions remain a low- or no-cost alternative with many rewards.

Average Costs for Newborn Domestic Adoption in Georgia (2025)

Private domestic adoptions typically range from $30,000 to $60,000 or more, influenced by agency choice, legal complexities, and birth mother support.  Here's a breakdown of typical expenses for private adoptions:

 
Expense Category Estimated Cost Range Details
Home Study $1,500 - $3,000 Mandatory assessment including background checks, interviews, and home visits by a licensed professional.
Agency Fees $12,000 - $25,000 Covers matching with birth mothers, counseling, and administrative services from agencies like Covenant Care or Lifeline. 
Legal Fees $5,000 - $15,000 Includes attorney representation, court filings, and finalization.
Birth Mother Expenses $10,000 - $20,000 Regulated by Georgia law; may cover medical bills, maternity needs, or living costs—always handled ethically through professionals.
Additional Costs $2,000 - $8,000 Travel, post-placement support, or unexpected variables.

 

These figures highlight why financial support is crucial—adoption not only unites families but also promotes positive outcomes like reduced foster care needs and lifelong bonds.

Funding Options to Offset Costs

Georgia families have access to a variety of resources, primarily through tax credits and employer benefits where available. Combining these can cover a portion of expenses, allowing families to embrace the joy of parenthood.

  1. Federal Adoption Tax Credit (2025): Up to $17,280 per child for qualified expenses like fees, travel, and legal costs. Phasing out for incomes above approximately $240,000 - $280,000. 
  2. Georgia State Tax Credit: only applicable for foster adoptions
  3. Employer Adoption Benefits: Increasingly common, with about 33% of U.S. employers offering paid adoption leave and 26% providing financial assistance as of recent surveys.
  4. Grants: St Joseph Adoption Support Fund is one of a small handful of organizations that offer grants specific to supporting adoptive families.

At the St. Joseph Adoption Support Fund, we're proud to complement these options by directing grants to Covenant Care Adoptions and Lifeline Children’s Services, helping Georgia families navigate costs and celebrate the positive impact of adoption.  Like giving children loving homes and fostering community resilience. If you share our passion, consider donating to our endowment fund today.  Every contribution grows our ability to empower more families. Visit the Catholic Foundation of North Georgia to learn more or contribute.