Financing

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Partnered with RenoFi

Smarter Financing for Your ADU Project

We’re proud to partner with RenoFi, a trusted leader in home renovation financing. RenoFi offers innovative loan solutions designed specifically for homeowners planning to build or upgrade with projects like Accessory Dwelling Units (ADUs).

A Smarter Way to Fund Your Dream Space

Whether you’re just exploring your options or ready to get started, RenoFi offers powerful tools and support to help make your ADU plans a reality — without the financial stress.

Click Below to explore RenoFi financing options and see what’s possible for your project.

Ways to Cover ADU Costs

Cash-Out Refinance

Personal Loans

FHA and VA Loans

Construction Loans

Local Grants and Deals

Some places give out grants or reduce fees to help build ADUs.
Check with local offices to see what they offer.
Private Lenders or Peer-to-Peer Lending
Try out other options like private lenders or online sites.
Might get approved quick, but interest rates could be higher.

Figuring Out How to Pay for Your ADU – Make Your Dream Space Happen

Building an Accessory Dwelling Unit (ADU) is an easy way to add value to your property, but it takes some planning to cover the costs. Whether you want to rent it out, get more space for family, or make your home worth more, picking the right way to pay can really help. Here’s a simple guide to walk you through the options.

Why Homeowners Choose Our Sacramento Construction Services

Makes Your Home Worth More: An ADU adds extra space and rental possibilities, which can bump up your property’s value.
Brings in Cash: Renting your ADU can give you steady money to help pay off what you spent.
Space for Family: Build a separate spot for relatives, giving them their own place to live.
Tax Breaks: Sometimes, you can save on taxes with ADU costs, like loan interest or property taxes.

Tips to Plan Your Budget

Know What You’re Spending

Think about design, permits, site prep, building, utilities, and landscaping.

Don’t Forget the Small Stuff

Include permits, inspections, and other expenses.

Be Ready for unexpected Expenses

Keep some extra money for unexpected things.

Think About Rent Money

Guess how much you could make from renting to help with costs.

Frequently Asked Questions

Can rental money help me get an ADU loan?

Yup, some lenders look at the money your ADU could bring in, which can help you borrow more.

Are there loans just for veterans to build ADUs?

Yeah, VA renovation loans can pay for ADUs for veterans, usually with better terms and lower rates.

Can I use a construction loan for an ADU?

For sure. They’re made for building projects and can switch to a regular mortgage later.

What’s good about a HELOC for an ADU?

It’s got flexible payments, often lower rates, and the interest might save you on taxes, so lots of people pick it.

Do I need a super high credit score to pay for an ADU?

A good score helps get better deals, but there are options for all kinds of credit.

Ready to Get Going?

Sorting out how to pay for your ADU is the first big step to making it real. Give us a call for a free chat to talk about your options and find the best way to fund your project.