Building your ADU just got easier. Financing it should be too.
MF ADU makes ADU financing in California simple, affordable, and fast—with flexible loan options built for backyard and multi-unit projects.
00Rates as low as 6.5% APR*
00No payments or interest for 6 months*
00Finance up to 100% of project cost*
00Option to keep your existing mortgage - No refi needed*
Tailored ADU Loans That Work the Way You Build
Financing a backyard home, rental suite, or secondary dwelling shouldn’t feel like starting from scratch. MF ADU partners with trusted California lenders to offer specialized ADU loan programs — streamlined for prefab construction and homeowners who don’t want to refinance their current mortgage
Lower Rates, Fewer Fees: Competitive APRs that mirror first mortgage rates, not inflated second mortgage loans.*
Deferred Payments: No payments or interest for 6 months while you wait for permits and installation.*
Full Project Funding: Finance construction, site prep, utilities, and closing costs in one loan.*
Flexible Eligibility: Primary residences, second homes, and investment properties all qualify.*
No Refinance Required: Keep your current mortgage intact and avoid appraisal resets.*
What a Smart ADU Loan Looks Like
Transparent rates, predictable payments, and more room to breathe.
Partner Financing Terms
Traditional ADU Loan
$1,640 / month (30 years)
Example Monthly Payment
$1,232 / month (30 years)
Typical APR
6.5% APR
9.5% APR
Term
30 years
30 years
Example assumes a $195,000 ADU project with zero down payment.
Actual rates and terms depend on credit profile, location, project scope, and property type.
MF ADU’s financing solutions are built for California property owners who want to add value through backyard housing. By combining prefabricated efficiency with smart ADU loan programs, we help you move from design to delivery without large upfront costs or confusing paperwork.
The Easy Way to Finance an ADU in California
00ADU Construction Loans Made Simple: Skip complex multi-draw processes—fund your build with one streamlined approval.*
00100% Financing Available: Cover every part of your project including permits, foundation, and installation.*
00No Refinance Required: Keep your current mortgage intact and save thousands in closing fees.*
00Fast Approvals: Work with lenders experienced in ADU and prefab home financing statewide.*
See How Our Partner Financing Compares
Features
Borrow up to 100%
of ADU project cost*
No refinancing
required*
No payments or
interest for 6 months*
Includes post -
installation property value*
Partner
Financing
Construction
Loan
Home Equity
Line of Credit
Home Equity
Loan
Cash-Out
Refinance
Disclaimer:
*MF ADU is not a lender, mortgage broker, or finance company. All financing is offered through third-party lending partners. Program terms, including rates, payment deferral options, and loan-to-cost thresholds, are subject to lender approval and may vary based on borrower qualifications, credit profile, property conditions, and current market factors. Not all applicants will qualify for the advertised rates, terms, or 100% project financing. All offers are subject to change without notice. Applicants should review all loan documents carefully and consult with a licensed financial professional before proceeding.