Financing

ADU Financing Options

Build your ADU for as low as $1,500/month

Simple Process

How It Works

Step 01

Get Pre-Qualified

Quick application with our lending partners. Know your budget in as little as 48 hours.

Step 02

Choose Your Plan

Select from our ADU models or design a custom unit. We'll match the financing to your project.

Step 03

Start Building

Once approved, construction begins. Payments start only when your ADU is complete.

Benefits

Financing Highlights

Low Monthly Payments

Starting from just $1,500/month for a standard ADU. Build now, pay over time.

Flexible Terms

Multiple loan options from 10 to 30 years. Choose the term that fits your budget.

Quick Approval

Get pre-qualified in as little as 48 hours. Our lending partners make the process simple.

No Prepayment Penalty

Pay off your loan early without any extra fees. You're always in control.

Sample Plans

What Could Your ADU Cost?

450 SF Basic

$130,000

Estimated project cost

~$1,100/mo

Estimated monthly payment

750 SF Standard

$200,000

Estimated project cost

~$1,500/mo

Estimated monthly payment

1,200 SF Premium

$330,000

Estimated project cost

~$2,500/mo

Estimated monthly payment

Estimates for illustration purposes only. Actual terms depend on credit, property, and lender. Contact us for a personalized quote.

FAQ

Common Questions

What credit score do I need to qualify?

Most of our lending partners require a minimum credit score of 620. However, some programs are available for scores as low as 580 depending on equity and income.

How long does it take to get approved?

Pre-qualification typically takes 48 hours. Full loan approval usually takes 2-3 weeks, depending on the lender and documentation required.

Can I use my home equity to finance the ADU?

Yes. A home equity line of credit (HELOC) or cash-out refinance are popular options. Many homeowners use existing equity to fund part or all of their ADU project.

Is there a down payment required?

It depends on the financing option. Some construction loans require 10-20% down, while certain HELOC and renovation loan products may require little to no money down.

Ready to Explore Financing?

Get pre-qualified in as little as 48 hours. No obligation, no hard credit pull.

Call (916) 238-8240