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ADU Financing

ADU financing depends on your equity, your income and the loan type. These guides compare HELOCs, cash-out refinances, renovation and construction loans, home equity investments and lender options, with worked examples and a source behind every rule and figure.

ADU Construction Loans: How They Work and Which Loan Types Exist

October 6, 2026 by Marc
Modern two-story home at dusk, an example project for an ADU construction loan

An ADU construction loan pays for your build in stages. Compare the three loan types, see a worked draw example and what to ask lenders.

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Renovation Loans for ADUs: Fannie Mae HomeStyle, Freddie Mac CHOICERenovation and FHA 203(k)

October 6, 2026 by Marc
Infographic of an ADU renovation loan comparing Fannie Mae HomeStyle, Freddie Mac CHOICERenovation and FHA 203(k)

Compare an ADU renovation loan from Fannie Mae HomeStyle, Freddie Mac CHOICERenovation and FHA 203(k): limits, a worked example, questions.

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