ADU Financing Options
Match the financing conversation to the project.
Ask about financing up to 100% of eligible project costs for qualified applicants. Available programs, rates and terms depend on third-party lenders and your qualifications.
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Compare how each option works
Homeowners may explore home-improvement loans, home-equity borrowing, renovation or construction financing, or cash. Compare total borrowing cost, fees, security requirements, payment changes and when funds become available.
Include planning costs in the discussion
Ask whether design, engineering, permits and other pre-construction expenses qualify. A program that funds construction may treat earlier expenses differently. Get current terms directly from the provider.
Use a realistic repayment plan
Separate expected rental income from money you can rely on today. The calculator lets you test your own amount, interest rate and term; it is not a loan offer. Team All Star Construction is not a lender and does not issue financing approvals.
Start with the California ADU Handbook.
The March 2026 edition covers statewide ADU and JADU planning topics. Download the 55-page PDF free, with no signup required.
Bring the plan back to your property.
Virtual Estimates Available. Share your address and goals to discuss the next step.
Request a feasibility reviewBrowse all ADU resources