Financing

Finance your ADU.

Estimate your monthly payment, compare loan products, and get matched with lenders licensed in your state — all in one place.

HELOC ADU-Specific Loans Construction-to-Perm Cash-Out Refi

Estimated monthly payment

Based on your inputs · California

$0 /mo

Rate

Term

0 yrs

DTI

1 Calculate

2 Match lenders

Loan calculator

Tell us about your project — we’ll estimate your payment and pre-qualification range.

Loan Amount

$10k$1M

Down Payment

0%50%

Loan Term

5 yrs30 yrs

Interest Rate

3%15%

Where are you building?

State / region

Current home value

Your financial picture

Annual household income

Credit score

Loan details

Loan type

Loan amount

Down payment · 10%

Loan term · 20 years

Your estimate

$0 /mo

at 0% APR · 20-year term

Effective APR 0%

Principal financed $0

Total interest $0

Debt-to-income 0%

Loan-to-value 0%

Available equity $0

Estimates only. Actual rates depend on lender underwriting, property details, and verified income.

Smart tip

Compare

Loan products for ADU buyers.

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Step 2 of 2

Recommended lenders in California.

Pick the lenders you’d like to contact. We’ll attach your summary when you email them.

Your summary

$0 /mo · 0% APR

State —

Loan type —

Loan amount —

Term 20 years

Credit tier —

Principal financed $0

Total interest $0

Total cost $0

Debt-to-income 0%

Available equity $0

Estimates only. Final terms determined by each lender’s underwriting.

Rates and estimates shown are for illustrative purposes only and do not constitute a loan offer or commitment to lend. Actual rates depend on creditworthiness, property details, lender underwriting, and applicable state regulations. ADU Home List does not originate, underwrite, or guarantee any loans. Contact a licensed lender for a personalized quote.