Just remember, you're putting your home at risk. You may be able to borrow from the cash value of your life insurance policy. Some banks offer low-interest loans or credit lines for adoptive parents. Adoption loans, both home equity and unsecured, may be obtained through the National Adoption Foundation. They also award grants to needy adoptive parents.
Credit cards are an easy source of cash, but typically charge high interest rates.
Most financial planners recommend that you not tap these sources unless it's absolutely necessary. The decision on whether to take out a loan to help pay for adoption expenses can be difficult and has serious consequences for the entire family. It's important as adoptive parents to maintain financial stability for the good of the child. Dipping into future retirement savings or running up credit card debt can add to your financial stress and family stress in general, as well as throwing your long-term goals and planning off course.