An ADU is a major investment — but rarely an all-cash one. Compare HELOCs, renovation and construction loans, cash-out refinances, and California grant programs to find the mix that fits your equity, your budget, and your rental upside.
A 1-bedroom ADU in California typically runs $150K to $200K all-in; a 2-bedroom around $250K to $335K. The good news: you usually do not need that in cash. The right financing turns your home equity and future rent into a buildable budget.
A simple path from idea to a build-ready ADU.
Different financing tools fit different situations. Equity-rich owners often lean on a HELOC; owners building against future value may prefer a renovation or construction loan that underwrites the finished, higher-value property.
Knowing your ADU's size and cost — straight from your design — makes these conversations concrete instead of hypothetical.
A California ADU commonly rents for $1,800 to $3,500 per month. Check local demand on our rental market tool, then weigh that income against your monthly payment to see how quickly the unit pays for itself.
Everything you need to plan, design, and build your ADU — start to finish.
Explore your options and get matched with lenders who finance accessory dwelling units in California.
Explore Financing Options