does anyone konw any low cost agencies in fl?

Usually, you have to have the home study done through the agency you are adopting from. If you have signed up with a local state agency, that agency will search for you. The best option out there is interstate compacts and you can contact Hope for Families or Adoptakids. Both will require a home study done through their agency, but then you will be open to adopting out of ANY state through the foster care system. If wanting a private agency for a new born, they are all running about the same price. If looking for an older child in the state of florida, check out Woven Basket out of the Tampa area.