I just wanted to add my thoughts on your situation. I am a Gestational surrogate currently 7 months pregnant with my first surro baby. My Ip's and I are not working with a agency, so it doesnt cost as much. If you find a surrogate independently, get your own lawyers and do your own contracts throught them, I dont think It should cost that much. A surrogate's fee can range anywhere from 5,000-20,000 dollars based on if she had been a surrogate before or not. Experienced surros ask for more, generally because they know the ropes of the process and IP's know they dont have issues surrendering the baby once its born. If you go through a agency you will pay a lot more.
A helpful tip: Search for a surro who has had all the Medical and pschycological testing done, carries her own insurance and is ready to go. Otherwise you have to pay for all of that.
For example I am considered Average re-imbersment. My IP's pay my Fee in monthly payments over 10 months during pregnancy, all IVF fees, medical not covered by insurance provider, and Lawyers fee. I dont know about The IVF total bill, but All of my fees, plus my Lawyers and medical it will be about 15,000. I hope that helps. It is AWESOME that you will be able to have your own children biologically. Most intended mothers dont have that option. GOOD LUCK