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Financial requirements of adopting a child in Texas

On Behalf of | Aug 2, 2022 | Adoption

You don’t need to be rich to adopt a child, but adoption centers have certain rules in place to help find children stable homes. The federal government also sets an income limit to help ensure that adoptive parents earn enough money to meet the child’s basic needs.

Income requirement

Federal adoption law requires that you have a household income that’s no lower than 125% of the poverty level. The federal poverty level depends on how many people are in your household. You must check the current year’s guidelines as well because the poverty level may change. Documents you may need to provide to prove your income include tax returns and financial statements.

Credit score

Your credit score usually doesn’t matter when you’re adopting a child. It would matter if you needed to take out an adoption loan. Even if you were attempting to borrow money for medical costs and other childcare expenses, most banks and credit unions will consider your credit score.


Some adoption centers require that you have a certain amount of money in your savings account to adopt a child. This is typically three months of living expenses in savings that they look for.

No education requirements

There aren’t education requirements to adopt a child in Texas. As long as you have the income and meet other eligibility requirements, you can adopt a child. Some birth parents, however, care about the adoptive parent’s level of education. Adoption centers may also check that you’ve educated yourself about the adoption process and how to raise an adopted child. If you’re adopting a child of a race that’s different from your own, it’s important to learn about their culture and find role models of their race that they could look up to. For Afro-textured hair, you need to learn how to maintain it too.

Adopting a child is simpler than some people make it out to be, although it takes effort just as having a biological child would. The financial requirements aren’t strict for adopting a child. You must be able to meet the child’s basic needs.