There are low interest loans and even some 'grants' for adopting through Christian agencies. You can google for them. I used to know the web page that listed these, but don't have it anymore.
We thought we wouldn't be able to ever adopt because we didn't have the money to do a private adoption. We did get to adopt when God shoved us through the door, though! LOL We adopted through our state foster system and the money we paid for some of the costs was reimbursed at the time the adoption was finalized. We ended up paying only for a copy of the birth certificates (about $40 per adoption) for 3 of our adoptions, and about $500 for our 4th adoption. (Another state, and we had to pay some court costs. We also didn't want to have the paperwork amended to include the reimbursement of the money we paid for travel, etc., as this would have set the finalization date back by about a month, so we just paid it ourselves.)
The flip side is that our children all do have 'special needs', but I'm always hesitant to use that term since they aren't as serious as some other kids' special needs...but they are still there and the kids do have some 'special' needs, so I suppose I need to mention them.
Prenatal exposure to multi-substance abuse, neglect, developmental delays, probable FASD, etc. Frankly we're just used to how our family is, so I don't usually notice much of the time. Other times it is more obvious, of course.