We brought home 2 children from Ethiopia this May. We had previously waited for a year in a domestic program, waiting for a birthmom to choose our family. We had, at the time, 4 children in our home. The social workers warned us in domestic programs, birthmoms tend to choose families with 0-1 children.
When we switched to International adoption, there are many, many agenices out there, each with different fee schedules. Travel costs vary greatly by season. We ended up traveling during peak travel times & our tickets cost significantly more than if we were traveling now.
Waiting children often have reduced fees. 'Rainbowkids.org' is a great adoption website, with LOTS of information. Older children, or special needs also often have grants. There are many organizations that have grants & 0% interest loans to help with costs.
If I'd have seen the total cost when we started, I might have said, no way & ruled it out. But, by working on it over time...much more doable.