Financing Your Surrogacy Journey


There’s no doubt that surrogacy is expensive. Working with a gestational carrier in the U.S. can range from $150,000 to $200,000 or more. And while you may not have that readily available in your checking account, there are various options to explore to make it attainable.  In this blog post, we’ll walk you through some of the ways you can finance your family-building efforts. It’s possible to use one or a combination of these options to achieve your funding goal.

Surrogacy Loans

There are, of course, traditional routes such as equity loans and credit cards. In addition, there are financial companies that specifically cater to fertility treatment. Below are some suggestions to consider:

  • Fertility financing. Some lenders provide loans and repayment plans for couples facing fertility barriers. Some of these programs may be linked to a surrogacy agency or consult with a financial advisor to explore your options.
  • Agency recommendations. Some surrogacy agencies, like Fairfax Surrogacy, can provide you with a list of companies that can help with financing. Lenders that we often recommend are MyEggFund, Future Family or CapExMD.
  • Home equity loans. Depending on your credit score and history, you may be able to borrow money using your home as collateral.
  • Retirement accounts. Should you have a retirement account, you may be able to borrow from it. It would be best if you spoke to a financial advisor, but you may be able to withdraw up to half of your retirement funds. However, it’s important to note that the funds must be paid back within a certain timeframe to avoid tax penalties.
  • Credit cards. You may be able to arrange some payments with a credit card. However, staying on top of monthly repayments is essential to prevent interest from racking up.

Crowdfunding for Surrogacy

Crowdfunding can be a powerful tool to gather support from your community and beyond. Here are three creative ideas for crowdfunding your surrogacy journey:

  1. Online crowdfunding platforms can help you raise funds for various purposes, including surrogacy. Launch a crowdfunding campaign on popular platforms like GoFundMe. Create a compelling story explaining your surrogacy journey, including your dreams of starting or expanding your family. Share your campaign with friends, family, and social media contacts, and encourage them to donate and spread the word. Offer updates and heartfelt gratitude to your supporters throughout the process.
  2. Organize fundraising events in your community to gather support for your surrogacy journey. Consider hosting a bake sale, garage sale, or a themed dinner party where attendees can contribute towards your surrogacy fund. You can also explore creative options like organizing a charity run, a silent auction, or a virtual event where participants can join from anywhere and make donations.
  3. Approach local businesses in your area and seek their support for your surrogacy fundraising efforts. Many businesses are willing to contribute by donating a portion of their sales or services to your cause. For example, you can collaborate with a local restaurant to host a “Surrogacy Support Night” where a percentage of the proceeds go towards your surrogacy fund. Look for opportunities to partner with businesses that align with your values and are passionate about supporting their community.

Saving for Surrogacy

If you know you’re going to pursue working with a gestational carrier, the further ahead you can plan and save, the better. Below are a few tips to help you save for your surrogacy journey:

  • Research insurance options. Investigate the medical costs that potentially might be covered by your insurance. 
  • Choose the right agency. It’s important to do your homework to determine which surrogacy agency is right for you. Ask them about fixed-fee packages and potential added costs for your journey and the protections they have in place that can limit your liability. Also, look at their history, ask essential questions about what you feel you need along this path to parenthood, and explore your options before making a final decision.
  • Open a savings account. Create a dedicated savings account so you can build repayments into your monthly budget, as you would for college, a new home, or a vacation.
  • Connect with others. Sometimes, the best people to speak to are others who have gone through the surrogacy journey on how they afforded it.

Contact us for expert guidance

Whether it’s through surrogacy loans, crowdfunding, or saving strategies, there are solutions available to help you achieve your funding goal.

If you’re ready to take the next step toward parenthood through surrogacy, we’re here to support you. Contact Fairfax Surrogacy today, and let us guide you through the process. Our experienced team can provide personalized advice, connect you with reputable lenders, and offer recommendations tailored to your unique circumstances.

Remember, you’re not alone on this journey. Reach out to us, and let us help you turn your dreams of parenthood into a beautiful reality. Together, we build a family!