ADU Financing Guidance
Discover the different ways homeowners commonly finance their ADU projects.We provide general information to help you understand your options and connect you with trusted, licensed lenders if you choose to explore financing.
We do not provide loans, financial advice, or mortgage consulting.All financing conversations happen directly between the homeowner and a licensed lending partner.
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We do not provide loans, financial advice, or mortgage consulting.All financing conversations happen directly between the homeowner and a licensed lending partner.
benefits
Why Homeowners Need ADU Financing in California
High Construction Costs
Building an ADU in California can cost $150,000 to $400,000, and most homeowners don’t have that money on hand.
Limited Loan Knowledge
Many aren’t aware of the different ways to fund an ADU. Without guidance, it’s easy to miss out on low-interest or flexible payment options.
Equity Isn’t Always Enough
Not every homeowner has enough equity to tap into their home. That makes traditional home equity loans harder to access.
Missed Income Potential
Each month you wait, you miss out on possible rental income. Delayed financing means delayed returns, especially in high-demand areas like Los Angeles.
How it Works
How homeowners Commonly Fund an ADU
Building an ADU is a big step, and understanding the available funding options can help you plan with confidence. ADUscale provides general information and connects homeowners with licensed lending professionals who can answer financing questions in detail.
01
Free Consultation
Tell us about your project goals and timeline. We’ll help you understand the typical costs of an ADU and share the most common ways California homeowners fund their builds.
02
Learn About ADU Funding Options
We provide educational guidance on popular ADU funding methods and can introduce you to licensed lenders who specialize in ADU-friendly products. All financial discussions happen directly between you and the lending professional.
03
Start Your Project With Clarity
Once you choose how you want to fund your project, we align your ADU timeline with your construction plan. This ensures you can move forward confidently and stay organized from start to finish.
Why ADU Scale is the Better Choice
Tailored ADU Planning Support
Every homeowner’s situation is different. We help you understand typical ADU costs, timelines, and available resources so you can choose the approach that fits your goals.
Experience You Can Trust
We’ve supported hundreds of California homeowners in planning and completing their ADUs — from small studios to full two-bedroom units.
Trusted Network of Licensed Professionals
Need architectural plans? Engineering? Construction? Funding information? We connect you with licensed expert— including lenders — who specialize in ADUs and can provide the detailed guidance you need.
Clear, No-Pressure Guidance
Our team gives you the information you need to make confident decisions. No sales pressure, no obligations — just honest support so you understand your options clearly.
Get Started with ADU Scale Today
From home equity loans to construction financing and government-backed programs, there are more options than you might think. ADU Scale can help you find the right path.
More information
In Los Angeles, ADUs are growing fast, and so are the ways to finance them. From government-backed loans to new city programs, more options are becoming available every year. Whether you’re considering a garage conversion, detached ADU, or something above your garage, knowing how to finance an ADU the right way can turn your plans into reality faster and smarter. Plus, with rising rents across Southern California, the income potential makes your investment work for you.
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Let’s talk about your ADU goals and how to finance them.
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