How could you pay for an ADU?
Most homeowners use some combination of savings and home equity. This is an educational overview — ADU GRID is not a lender and does not provide financial advice.
HELOC
A revolving line secured by your home, typically variable-rate. Draw funds as construction progresses.
HELOC guide →Home equity loan
A lump sum secured by your home, usually fixed-rate, repaid over a set term.
Cash-out refinance
Replace your mortgage with a larger loan. Depends heavily on your current rate.
Construction / renovation loans
Some programs consider the property's after-completion value. Availability and terms vary.
Cash
Avoids financing costs; many owners combine cash with another option.
Talk to a qualified lender about rates, qualification, and which option fits your situation.
Find out what your property could support.
Share your address and goals. An ADU specialist will review the details and contact you to discuss what may make sense.