As a friend told me (and has been true fo us as well): the money will be there: PENNIES FROM HEAVEN. We were gifted with a large check for our first adoption shortly after referral. And this time around our tax refund is here for a sort of unexpected referral! God has a funny way of ensuring your trust in Him ;-)
Remember that when you adopt, you will probably qualify for a federal tax CREDIT. This means that you will likely get a large refund for a couple years after the adoption is finalized. Some families do not use it up (you have 3 or 5 years, the rules recently changed so I don't remember) for various reasons, but it has been great for us and DH has been deployed to tax free zones. We have been able to pay off the part of the adoption we put on a credit card (agency fees) and are paying for the current adoption with the remainder of our credit and refund.
The best site for info about financing an adoption is
this one. There are all sorts of resources listed there.
What type of adoption are you interested in, domestic or international?
Cynthia