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I am by no means an expert here, but you might want to look into a public agency. I am not familiar with California laws, but my husband and I aren't exactly wealthy either and we're going through a public agency. We started out foster-to-adopt and after several foster placements which ended with all the children going back to their bparents, we opted to go through their very small infant adoption program. Our agency fee is minimal compared to other agency fees we researched and that's only once the birthmom signs termination and the baby is placed with us. We then have to use our own attorney to finalize, but even that cost is minimal. Basically, we're looking at under $10K for everything. Also, because we went through their fostering program, we did not have to pay for our homestudy, which can be another costly factor. Good luck!