Heart to Home Surrogacy is an affordable agency alternative. They provide guidance and support for independent surrogacy journeys and do not replace legal, medical, or clinical professionals.

Do you match people directly?

They support the matching process and provide candidates based on the information provided, while intended parents and gestational carriers remain in control of their decisions and connections.

What if I’m not sure which package I need?

They recommend starting with a consultation so they can help guide clients to the right level of support.

FUNDING YOUR JOURNEY

There are multiple ways to finance your journey—including loans, grants, and creative funding options. Many families use a combination of these resources.

Fertility and Surrogacy Financing Options

There are several ways to finance a surrogacy journey. Some lenders specialize in fertility and family-building expenses, while others offer more traditional borrowing options. Loan availability, rates, terms, and eligibility vary, so review each lender’s current information carefully before applying.

Specialized Fertility Lenders

CapexMD

Financing amount: $3,000–$55,000
May cover: IVF, medications, genetic testing, surrogacy fees, and donor-related costs
Application: Applying may not affect your credit score
Decision time: Same-day or 24-hour decisions may be available
Repayment terms: Approximately 6–84 months

Prosper Healthcare Lending

Financing amount: Typically $2,000–$50,000
May cover: IVF and other fertility-related expenses
Application: Applicants may check their rate without affecting their credit score
Additional information: Frequently used by fertility clinics and surrogacy organizations

New Life Fertility Finance

Financing amount: Varies by lender and applicant
May cover: IVF, surrogacy, and donor-related services
Application: Financing may be provided through participating banks and lending partners
Additional information: Options may be available through fertility clinics or surrogacy-service referrals

Sunfish

Financing amount: Up to approximately $100,000
May cover: Fertility and family-building expenses
Application: Financing options may be available through multiple lending partners
Repayment: Monthly payments may begin at approximately $200
Additional information: Financial-planning support may be included

Future Family

Financing amount: Up to $50,000
May cover: Fertility treatment and related family-building expenses
Application: Prequalification may not affect your credit score
Decision time: Decisions may be available within 24 hours
Repayment: Monthly plans may begin at approximately $300
Additional information: Fertility nurse coaching and clinic support may be included

Other Financing Options

Personal Loans

Personal loans may be available through banks, credit unions, and online lenders. Rates and repayment terms depend on the borrower’s credit, income, and lender requirements.

Home Equity Loans or Lines of Credit

Homeowners may be able to borrow against the equity in their property. These options may offer lower interest rates, but the home serves as collateral and could be at risk if payments are not made.

401(k) Loans

Some employer retirement plans allow participants to borrow from their 401(k). Consider the potential effect on retirement savings, taxes, repayment obligations, and employment changes before choosing this option.

Employer Fertility Benefits

Some employers provide fertility and family-building benefits through programs such as Carrot, Progyny, or Maven. Contact your employer or benefits administrator to learn what services and expenses may be covered.

Surrogacy and Fertility Grants

Grants can help offset some of the expenses associated with surrogacy and fertility treatment. Unlike loans, grants generally do not need to be repaid; however, they are competitive, may have application fees, and often have specific eligibility requirements.

Grant programs, application periods, award amounts, and eligibility rules can change. Review the current information on each organization’s website before applying.

Baby Quest Foundation

Provides financial assistance for assisted reproduction, including gestational surrogacy
May help cover future expenses such as escrow, legal services, insurance, embryo-transfer fees, and medications
Surrogacy applicants must have embryos created and be ready to proceed with a Gestational Carrier
Grants do not reimburse expenses already paid
Additional surrogacy-specific eligibility requirements apply

Tinina Q. Cade Foundation

Offers Family Building Grants for infertility treatment and domestic adoption
Eligible fertility treatments may include IVF, donor eggs, and the use of a Gestational Carrier
Applicants must have a physician’s diagnosis of infertility
Applicants must be United States citizens or legal permanent residents
Grants do not cover egg or embryo freezing

The Surrogacy Foundation

Provides financial assistance for gestational-surrogacy journeys
Designed to help Intended Parents who cannot afford the full cost of surrogacy
Offers surrogacy-focused grant opportunities
Eligibility requirements, available funding, and application periods vary

Hope for Fertility Foundation

Provides grants for infertility treatment, surrogacy, and adoption
Applicants must meet the organization’s citizenship, residency, marital-status, and infertility-diagnosis requirements
Applicants must work with a United States-based clinic or agency
Funding is generally paid directly to the approved clinic or agency
Grants do not cover medications, legal fees, consulting services, insurance, or other third-party expenses

Donating Dreams

Provides family-building assistance for donor-egg IVF and donor-embryo journeys
The donor-egg IVF grant may help cover the donor cycle, donor-agency fees, clinic monitoring, embryo-transfer fees, medications, travel, and legal expenses
Donor-embryo assistance may also be available
Applicants must meet the organization’s eligibility requirements
The number and type of grants available depend on donations and sponsorships

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