Using home equity to build an ADU.
A home equity line of credit lets you borrow against the value you've built in your home — often a practical fit for staged construction.
Draw period
Borrow as needed up to your limit, often paying interest only on what you've drawn.
Repayment period
After the draw period, principal and interest payments begin.
Variable rate
Most HELOC rates move with the market; understand how payments could change.
What lenders look at
Home value, existing mortgage balance, credit, income, and debt-to-income ratio.
Educational calculation only. ADU GRID is not a lender and does not offer loans or financial advice. Actual borrowing capacity depends on appraisal, credit, income, debt-to-income ratio, and lender terms. Consult a qualified lender.
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.