January 6, 2026|By One Stop Builders
Complete guide to ADU financing in California. Grants, HELOC, construction loans, and creative financing strategies.
One of the biggest questions: "How do I pay for an ADU?" With costs ranging from $150,000-$350,000+, financing is critical.
Top Financing Options
1. HELOC (Most Popular)
Borrow against your home equity at variable rates. Flexible draw schedule.
2. Cash-Out Refinance
Replace your mortgage with a larger one and use the difference for ADU construction.
3. Construction Loan
Short-term financing that converts to permanent loan after construction.
Using Projected Rental Income
Some lenders consider projected ADU rental income when qualifying you. San Diego ADUs typically rent for $2,000-$3,500/month.
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