Financing Surrogacy – Options for building your family


Families facing infertility have a variety of options to build their family. We assist families with the legal process of building their families through adoption and assisted reproductive technology. There are extensive costs that come with these options. We often get questions from potential clients about how to afford these processes. There are different financial options to assist families with the financial burden.

Specifically, when looking at your options for creating and building your family, surrogacy should not be ruled out because of the expenses. Although the process can cost at least $60,000, there are many options for families to finance and afford the hefty price tag of choosing surrogacy.

Different types and circumstances of surrogacy can shift the costs. For example, a traditional surrogacy may be less expensive because there is no need for in vitro fertilization which increases the costs. Gestational surrogacy can cost more due to the in vitro aspect. Other costs that vary for each family can be whether a surrogacy agency is used, legal expenses, if insurance will cover certain costs, the surrogate’s need for maternity clothes, daycare costs, cleaning services, travel expenses, lost wages, life insurance policy, and many other considerations.

Two options that can be looked at to help finance the surrogacy are loans or grants. A home equity loan, a 401(k) loan, or even financing a loan through a surrogacy agency should be explored. When looking at borrowing against your home equity, there is an added risk that if you default you could lose your home. It does, however, offer more flexibility than borrowing against your 401(k). If you consider obtaining a 401(k) loan, it is considered a hardship loan and should only be done if no other means is available. It can inhibit your contributions to your retirement until you have repaid the entire loan. Lastly, if you are working with a surrogacy agency, some of them will offer financing programs that should be explored. Speak with a financial advisor about all of these options prior to making a decision because there could be other considerations, including tax consequences. When looking to secure a grant, you must be an eligible candidate. Certain religious, cultural, and sexual orientation affiliations offer grants. You would need to research which grant would be the most appropriate fit.

Check with Resolve, the National Infertility Association. They have information about infertility financing programs, scholarship programs and other financial guides.

Infertility is a confusing and emotional journey. It can be an emotionally draining process which can leave you feeling vulnerable. Educate yourself on what options work best for you. Harden Jackson is dedicated to assisting couples and individuals achieve the dream of building a family through assisted reproductive technology and/or adoption.

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