The actual surrogacy cost is variable and depends on many factors. The major cost of surrogacy is due to:
· A medical procedure like IVF to create embryos
· The surrogate mother compensation. (it contributes to almost 1/3 of surrogacy cost)
These two factors contribute to most of the cost. So, if you have your own surrogate mother and you are not using a surrogacy agency then you can save a lot. The typical surrogacy compensation in the USA ranges from $35,000 to $50,000 ( extra $5000, if twins pregnancy) depending upon the surrogate mother and state she lives in. The cost of surrogacy agency varies in the range of $20,000 to $30,000. So, you can expect to save these costs if you have your family or friend as a gestational carrier.
But other costs like a medical procedure, the legal fee for surrogacy agreements, surrogate insurance cost, or other overhead costs like travel, work loss, medical expense during the pregnancy etc needs to be taken care of by you.
Also, as you are doing an Indy surrogacy, you need to give time to understand the process, and coordinating and navigating everything yourself. I think there are many agencies, which also offer consultation work or make a road map for you and take a nominal fee for it. You can opt for it, if needed.
But yes, you can save up 30 to 40% surrogacy fee if you handle all by yourself.