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Surrogacy Cost
Transparent Pricing. No Hidden Fees.
We believe you deserve to know exactly what surrogacy costs before you begin. Here is a complete breakdown of every expense — because trust starts with transparency.
Total Estimated Investment
$120,000 - $180,000
All-inclusive surrogacy journey
Complete Cost Breakdown
Every surrogacy journey is unique. These ranges represent typical costs — your specific journey may vary based on your situation and surrogate.
Agency Fees
Covers matching, coordination, support throughout the journey
$25,000 - $35,000
Surrogate Compensation
Base pay, bonuses, allowances, and benefits for your surrogate
$65,000 - $100,000+
Medical & IVF
IVF procedures, medications, and medical monitoring
$20,000 - $40,000
Legal
Contracts, parentage orders, and legal representation
$10,000 - $15,000
Insurance & Escrow
Surrogate insurance, life insurance, and escrow management
$15,000 - $25,000
Additional Expenses
Travel, lost wages, and miscellaneous costs
$5,000 - $15,000
Estimated Total Investment
$120,000 - $180,000
This includes everything from matching through delivery. Most journeys fall within this range, though twins, egg donation, or complications may affect the total.
Financing Options
Surrogacy is a significant investment. We partner with trusted lenders who specialize in fertility financing to make your dream achievable.
CapexMD
Fertility-specific loans with competitive rates and flexible terms up to 7 years.
- No prepayment penalties
- Loans from $10,000 - $300,000
- Pre-approval in 24 hours
Prosper Healthcare Lending
Healthcare financing with fixed rates and no collateral required.
- Fixed monthly payments
- Terms up to 84 months
- No down payment required
LightStream
Unsecured personal loans with rate-beat guarantee and no fees.
- Low fixed rates
- Same-day funding available
- No fees whatsoever
Additional Funding Options
Home Equity
HELOCs often offer lower rates than personal loans
401(k) Loans
Borrow from yourself with potential tax advantages
Family Gifts
Gift tax exclusion allows significant contributions
Grants
Some organizations offer grants for intended parents
Why We Are Not the Cheapest Option
You will find agencies that charge less. Some advertise "free until matched" or lower surrogate compensation. Here is why we do things differently.
Our 1-in-60 surrogate screening costs more to operate. Third-party IVF nurse reviews, comprehensive background checks, and hidden nicotine marker testing are not cheap — but they prevent heartbreak and complications down the line.
We pay surrogates competitively because they deserve it. Higher compensation attracts more qualified candidates, which means faster matching for you (3-6 months vs 12+ at lower-paying agencies).
"You can pay less upfront. But the hidden costs of a failed match, a complicated pregnancy, or a drawn-out legal battle will cost far more."
— Samantha Giermek, Founder
What is Included in Our Agency Fee
Our fee covers comprehensive support from the moment you sign with us through delivery and beyond.
Surrogate Matching
- Access to pre-screened surrogates
- Profile presentation
- Video call introductions
- Rematch if needed
Coordination
- Medical appointment scheduling
- Communication facilitation
- Milestone tracking
- Crisis management
Support Services
- Dedicated case manager
- 24/7 emergency support
- Monthly check-ins
- Post-delivery support
Administrative
- Escrow coordination
- Insurance verification
- Document management
- Travel arrangements
Cost Questions & Answers
When do I need to pay?
Costs are spread throughout the journey. Agency fees are typically split between contract signing and match confirmation. Surrogate compensation goes into escrow before medical procedures begin, and medical/legal costs are paid as services are rendered.
What if the first embryo transfer fails?
Additional transfer fees apply (typically $3,000-$5,000 per attempt), but your agency fee and surrogate match remain in place. Most contracts include provisions for a set number of transfer attempts.
Do I need an egg donor too?
If you are using an egg donor, add $15,000-$30,000 for donor compensation, screening, and legal fees. We can coordinate egg donation as part of your journey.
What if my surrogate already has insurance?
We professionally review every surrogate's insurance policy to understand coverage. If additional coverage is needed, we present options and costs upfront so there are no surprises.
Is any of this tax-deductible?
Tax implications vary by situation. We recommend consulting with a tax professional who can advise based on your specific circumstances.
Ready to Discuss Your Journey?
Schedule a free consultation to get a personalized cost estimate and discuss financing options.
Ready to Grow Your Family?
Take the first step toward parenthood. Our team is here to match you with the perfect surrogate and guide you through every milestone.
