Ways to finance your ADU
An ADU is one of the highest-return improvements you can make. Explore common financing paths and estimate your monthly payment below.
Flexible ways to fund your build
Every homeowner’s situation is different. Here are the most common options our clients use.
HELOC
Tap your home’s equity with a flexible line of credit. Borrow what you need as the project progresses, and pay interest only on what you use.
Cash-Out Refinance
Refinance your existing mortgage for more than you owe and take the difference in cash to fund your ADU — often at competitive rates.
Renovation Loan
Construction and renovation loans are designed for building projects, with funds released in stages as your ADU is completed.
ADU-Specific Financing
Newer ADU loan products underwrite based on your property’s post-build value and projected rental income — not just current equity.
Estimate your monthly payment
Drag the sliders to see how loan amount, rate, and term affect your monthly payment.
Estimated monthly payment
$1,611
Total interest
$186,685
Total paid
$386,685
For illustration only. Not a loan offer or financial advice. Consult a licensed lender for actual rates and terms.
Ready to explore your options?
We’ll connect you with trusted ADU lending partners and help you understand what’s possible for your property.