Invest in what truly matters—quality time with family and loved ones.
A dedicated space to foster creativity, relaxation and balance.
The key to unlocking your property’s potential.
Our all-inclusive services streamline the stages of your ADU project, ensuring a stress-free journey while saving you time and money.
We help you find financing options that fit your budget and goals, ensuring a smooth journey from start to finish.
Start your project without any upfront costs. Learn how our financing partners offer deferred payment options.
Get an estimate of how much rent you could earn from your ADU with our data-driven analysis.
Lock in a stress-free budget and guaranteed timeline for your ADU project.
At KMAC, we simplify the financing process for your ADU project by connecting you with our network of third-party lenders who offer competitive interest rates on secured and unsecured loans. We make qualifying for a loan easy by seamlessly integrating it into our full-service ADU experience.
Learn more about our lenders’ loan options, and explore other popular financing choices that could help bring your vision to life.
Unlike traditional loans for homes or cars, unsecured loans don’t require you to put down any collateral as security for the loan. Instead, approval of unsecured loans is based on your creditworthiness, which includes factors like your credit history, income, and debt-to-income ratio.
So, how can unsecured loans benefit your ADU project?
Here are some key advantages:
A secured loan uses your existing property, typically your primary residence, as collateral. This means the loan is backed by the value of your home. An ADU can potentially help you leverage a higher loan amount for a secured loan.
So, how can secured loans benefit your ADU project? Here are some key advantages:
A loan option for homeowners looking to tap into their home equity to fund an ADU project. Your existing mortgage is replaced with a new, larger one, providing you with a lump sum of cash upfront.
Cash savings can be directly used for construction costs, while retirement accounts like IRAs or 401(k)s might offer loan options, but be aware of early withdrawal penalties and tax implications.
A Home Equity Loan (HEL) provides a lump sum upfront at a fixed interest rate, suitable for financing the entire ADU construction. If you prefer more flexibility, a Home Equity Line of Credit (HELOC) offers a revolving credit line with a variable rate, allowing you to access funds as needed throughout the project.
Renovation loans are ideal if you’re converting existing space in your property, like a garage, into an ADU. It works like a traditional home improvement loan with a fixed repayment term. On the other hand, if you’re building a brand new ADU from scratch, a construction loan is the way to go. This short-term loan disburses funds in stages as construction progresses, and then converts to a permanent mortgage upon completion.
In California many government programs exist to help homeowners build an ADU. These programs can offer grants, forgivable loans, or even construction financing with flexible terms, especially if you agree to rent your ADU at an affordable rate. Initiatives like the CalHFA ADU Grant Program offer up to $40,000 to offset pre-construction costs like permits, architectural designs, and site prep. Learn more about this program at adugrantprogram.com.
Have questions? Here are a series of frequently asked questions to clarify the financing process.
On average, ADU construction costs in California range between $120,000 and $350,000+, depending on various factors.
Key Cost Factors:
Detached or Attached ADU
Junior ADU (JADU)
Garage or Over-the-Garage Conversion
Basement Conversion
At KMAC, we streamline the ADU financing process by connecting you with our trusted network of third-party lenders. Whether you need a secured or unsecured loan, our partners offer competitive interest rates tailored to your needs. Plus, we simplify the qualification process by integrating financing seamlessly into our full-service ADU solutions.
These programs, offered by government agencies and non-profits, provide financial assistance, incentives, and expert guidance for ADU construction. Examples include California’s ADU Grant Program and SDHC’s ADU Finance Program, which help homeowners reduce costs and navigate the building process.
Full Project Financing: We simplify the financing process by securing loans that cover your entire ADU project—from design to completion.
✅ Start Now, Pay Later: Get your ADU project underway with zero upfront costs. No loan payments are required for the first 12 months.
✅ Rental Income Estimate: Curious about your ADU’s earning potential? KMAC uses advanced data analytics to estimate your rental income, empowering you with informed financial insights.
✅ Price-Lock Protection: Stay within budget with our price-lock guarantee. You'll receive a fixed cost and structured milestones, ensuring a smooth, predictable project timeline with no unexpected expenses.
