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How Much Does a Surrogate Mother Cost?

Agency Fee – $30,000

Comprehensive Surrogate Journey Support:

Our fee covers a range of essential services tailored to your surrogacy journey, ensuring a smooth and well-managed experience.  It will cover advertising, interviewing, approving, and screening your gestational carrier and overseeing your journey.

Gestational Surrogate/Surrogate Mother Screening:

  • Thorough background checks on the gestational carrier and all adults in her home
  • Psychological evaluation for the gestational carrier and her partner (if applicable)
  • Review of prior pregnancy and delivery records by our nurse
  • A consultation with a maternal-fetal medicine physician to discuss any risks associated with the pregnancy

Additional Services

  • Attendance at selected medical appointments upon request
  • Ongoing support for you and your gestational carrier/surrogate mother
  • Management of escrow disbursements for financial transactions
  • Comprehensive commitment and guidance of your journey from beginning to end

Fee Structure:

  • The agency fee is paid in installments beginning when you sign the agency contract
  • The agency fee covers advertising, interviewing, approving, and screening your gestational carrier/surrogate mother.

Surrogate Mother Reimbursement of Living Expenses – Base pay of $55,000 for CA & CO Surrogates, and $50,000 for all other states

Base pay of $60,000 for CA & CO one-time repeat Surrogates and $55,000 for all other states

Compensation will be discussed with you during our intake process. Compensation varies for repeat surrogates who have completed more than one journey. Payment will begin at the confirmation of fetal heartbeat. Compensation is paid to surrogate in 8 equal payments until delivery with the balance due within 7 days of delivery of your baby.

Surrogate Monthly Miscellaneous Costs – $350/per month

This monthly allowance is for any miscellaneous costs related to the surrogate arrangement and is intended to cover local (in county) mileage, parking, meals, childcare for medical appointments, postage, faxing, phone calls, over the counter vitamins or supplements and pregnancy wellness such as Yoga or Chiropractor. This fee will begin as soon as the surrogate signs her legal contract and will continue until written termination of agreement by either party or 2 months after delivery.

Surrogate Support Group Attendance – $100/per month

This monthly allowance is paid to your surrogate for her attendance in mandatory support group meetings. Support group fee will be established when she signs her legal contract and will continue for the duration of the agreement.

Embryo Transfer Fee – $1,000

Paid to surrogate (for each transfer) and is intended to reimburse her for any lost wages, childcare or housekeeping as a result of bed rest due to the embryo transfer. Paid $500 at the start of injections and $500 day of embryo transfer.

Maternity Clothing Allowance – $1,000

This one-time fee is to cover maternity clothing needed for surrogate. Usually paid at the beginning of the second trimester (13-16) weeks.

Caesarean Section Fee – $2,500

This fee is to compensate for additional discomfort and recovery time required with Doctor recommended C- Section

Possible Insurance – Up to $50,000

The insurance fee may vary depending on the surrogate you select, single vs. multiples pregnancy, and whether the surrogate is currently insured with maternity benefits. We will assist in connecting you with an insurance company that can explain the best insurance options available to you.

Life Insurance – $765 (estimate)

A one year policy, which includes a $250,000 life insurance policy, $100,000 permanent disability and a maximum benefit for loss of reproductive organs.

Intended Parent Background Check - $150

Similar to the gestational surrogate’s screening, a comprehensive background check will be completed for intended parents.

Intended Parent - Gestational Surrogate Joint Consultation - variable

Intended parent(s) and surrogate will complete a joint consultation with a mental health professional to discuss the alignment of journey specifics.

Independent Escrow Fee – $1,850

Independent Escrow Fee is paid directly to the third-party escrow who will manage the surrogate expense account.

Attorney Fees – $5,000 (estimate)

This fee is paid directly to your attorney and should cover the surrogate agreement draft, parental rights filing and surrogate representation.

Financing Available for Surrogacy

The Surrogacy Source prides itself on their reputation of making egg donation and surrogacy cycles as stress-free as possible for their intended parents. Now we have the ability to offer intended parents the best financing options, thereby easing the financial stress of their cycle.

Prosper Healthcare Lending

Prosper Healthcare Lending works exclusively with specialty lending such as those for fertility clinics and Third Party Reproduction Agencies (Egg Donation/Surrogacy) and their patients/Intended Parents to provide financing for IVF with egg donation and/or surrogacy as well as any necessary fertility medications. Their specialized services allow them to custom tailor the loans to the unique needs of fertility patients and facilitates an easy, convenient, and competitive loan process.

Here are some of the benefits you’ll receive with a loan from Prosper Healthcare Lending:

  • Finance up to $100,000
  • Term options out to 84 months (affordable monthly payments)
  • No transaction fees
  • Finance options for Fertility Medication
  • Fast, easy and convenient process


CAPEXMD provides financing for all types of fertility treatments, including surrogacy and egg donor costs as well as any necessary fertility medications. Their narrow lending focus allows them to offer competitive fertility loans with a wide variety of terms, and their trained Fertility Loan Specialists work directly with patients to help design a personalized loan program to meet their unique financial situation.

Here are some of the benefits you’ll receive with a loan from CAPEXMD:

  • Pre-approval in 24 hours
  • Competitive interest rates
  • No annual fees
  • No prepayment penalties
  • Flexible terms
  • Easy and secure online application

New Life Fertility Finance

Simple and Stress Free Fertility Financing

The world’s leading surrogacy and in vitro fertilization (IVF) insurance solution provider, in partnership with LightStream, now offers financing options for ALL assisted reproduction insurance needs, including surrogacy and fertility medications through Walgreen’s Pharmacies.

Finally a way to alleviate the upfront, stressful, out of pocket costs to your journey of securing your future family.

New Life Fertility Finance makes it easier than ever before for patients and intended parents to make their dreams of having children come true. To learn more or apply visit or contact Donna Arias toll free at 877.952.LIFE(5433) or email at [email protected].


Earnest provides personal loans which can be used to cover medical costs, including egg donor costs, surrogacy, IVF, and adoption. They are a great option to help cover some of the initial costs of these procedures.

  • Choose your preferred monthly payment
  • Increase your payment amount anytime
  • Make extra or early payments without fees
  • No origination fees or anything-else fees