The Cost of Surrogacy
The cost of surrogacy varies widely, depending on many variables, including how experienced the surrogate you choose to work with is, the distance your surrogate lives from your fertility clinic, and more. Most surrogacy journeys cost between $90,000-$130,000, with a median around $120,000.
The total cost of surrogacy can generally be broken down into a few categories: administrative fees, standard surrogate compensation, surrogate travel expenses & reimbursements, surrogate benefits, legal fees, and surrogate compensation for complications and high-risk pregnancies.
Many expenses, like the agency fee and payment to the surrogate in standard distributions through pregnancy, are standard in virtually all surrogacy arrangements. Other expenses like lost wages and surgical and complication bonuses are only encountered if they happen.
Use the calculator below to toggle on and off various surrogacy expenses to determine the effect they have on cost of surrogacy and estimate the potential cost of your surrogacy journey.
Surrogacy Cost Calculator
Surrogacy Financing
Surrogacy is expensive. Fortunately, there are options to finance your surrogacy journey for up to 60 months to make affording surrogacy more manageable. To offer financing for our intended parents, we’ve partnered with CapexMD.
Here are the benefits of financing your surrogacy journey:
- Easy and secure online application
- Personalized attention and concierge service
- Highly competitive interest rates
- Quick and easy approvals
- Family members can also apply
- Loans ranging from $3,000 to $50,000
- Terms from 6 to 60 months
- Highest levels of confidentiality
- No membership fees, annual fees, or prepayment penalties
Once approved, CapexMD financial counselors will collaborate with Surrogate Steps to ensure funds are secured promptly to prevent any delays in your treatment. Together with CapexMD, we can ensure that financial concerns do not hinder your dream of having a baby. Apply online and receive your pre-approval within 24 hours.