Can a surrogacy become an adoption?

If you use a donor egg and sperm, it will cost you more than $20,000. "Donor" eggs are never donated and you will likely have to pay the egg donor a fee. Then the fertility clinic will go through the entire IVF process, which will run you around $10,000. Keep in mind when your sister is acting as your surrogate that you have to cover all of her medical expenses, maternity clothes, missed time from work, etc. All of this adds up.