ADU Financing Calculator
Get a clear estimate of monthly payments and project costs based on your goals.
Calculate Now
Curious about how much it will cost to build your ADU and how you’ll pay for it? Our easy-to-use ADU financing calculator helps you explore payment options and estimate your monthly costs, so you can make informed decisions from the start.
Why Use This Tool Before You Build
Understand Your Budget Early
Your accessory dwelling unit financing options will vary based on your project size, credit, and how much equity you have in your home. The calculator helps you see what’s realistic for your situation before you start spending.
Compare Payment Scenarios
Should you use savings, refinance, or get a construction loan? Our tool shows how different payment paths affect your bottom line.
Avoid Costly Surprises
Financing an ADU can involve fees, interest, and timeline factors. With a quick estimate, you’ll spot potential issues before they become problems.
Save Time in the Loan Process
Lenders love prepared homeowners. Knowing your financial snapshot speeds up approvals and helps you get to building faster.
How to Finance an ADU with ADU Scale
We keep things simple. Try our ADU financing calculator to get a fast estimate. Then let our team help you move forward with confidence.
01
Try the Calculator
Enter your estimated ADU cost, credit score, and other basic info. In seconds, you’ll see potential monthly payments and financing paths.
02
Understand which elements influence cost the most
We’ll show you personalized insights based on common financing types - like HELOCs, renovation loans, or new ADU-focused programs.
03
Talk to a Pro
Once you know what you can afford, we’ll help you take the next steps. From planning to paperwork, we’re here to help you figure out how to finance an ADU that fits your goals.
Get Started with ADUSCALE Today
Ready to make the most of your property? Whether you're thinking about a small home ADU, a tiny home, or a fully detached ADU, we’re here to help.
More information
ADU projects are gaining popularity across California, especially in cities like Los Angeles where rental demand is high. With rising costs and complex loan options, having a tool like our ADU financing calculator gives you a clear advantage. Understanding accessory dwelling unit financing early makes the whole process smoother.
Our calculator includes variables like loan length, interest rate, and ADU cost, so you can explore what works best for you. It’s ideal for both first-time builders and seasoned homeowners looking to add rental income.