Your surrogacy financing options

Your surrogacy financing options

Surrogacy can allow people who cannot physically carry a baby to become parents. But with average costs ranging from $60,000 to as high as $150,000 according to, it may feel out of reach.

The cost of surrogacy is difficult to predict because there are unique variables in every case. Depending on your situation and the state in which you live, you may need to account for certain legal services, medical expenses, and surrogate compensation. These expenses are in addition to standard agency fees for finding the right surrogate and providing counseling, education, and support. Ultimately, your needs will determine the final cost for using a surrogate.

Depending on your situation, there are many options to explore to help pay for surrogacy.

Home equity loans

If there’s a good amount of equity in your home, a home equity loan or line of credit can be an option for funding surrogacy. Talk to a professional about finding the best rates.

401(k) loans

You may be able to take a loan out against your 401(k) savings. Before using this option, it’s best to talk to your financial advisor to understand repayment, taxes, and penalties.

Personal loans

Your bank or credit union may offer competitive rates for a personal loan, especially if you have some collateral to offer. Before moving forward with this option, confirm that using the money for surrogacy is eligible.

Agency financing

Some agencies offer their own financing programs. Be sure to understand the interest rates and review with your financial professional. 

Fertility financing loans

Some financial organizations specialize in fertility financing that may be applied to surrogacy programs. Prospective parents can receive fertility financing loans from the following organizations:

  • CapexMD
  • New Life Fertility Finance
  • Prosper Healthcare Lending


These non-repayable funds are awarded on an annual basis to help ease the financial burden of surrogacy and other infertility treatments. Learn more about the specific eligibility requirements that must be met.

Zero-interest credit cards

Interest-free credit cards are a smart way to spread a large surrogacy payment out over a period of time. Look for a card with a 0% introductory annual percentage rate (APR) for at least 12 months and make every attempt to pay the balance before the interest is due.


Friends and family may be willing to help you take a step toward parenthood. Some websites host campaigns for IVF funding and help you create a fundraising page that tells your personal story. Online campaigns can help motivate others to support your journey to build a family.

4 tips to help you pay for surrogacy

  • Consider your insurance options
  • Select your surrogacy professional with care
  • Create a dedicated savings account
  • Ask for financial and tax advice from trusted professionals

For more information about surrogacy financing, visit

Surrogacy laws vary by state

Before you begin, confirm surrogacy is possible in your area and determine which laws will apply to your situation.