Use your own quotes and estimates
Leave an item blank while its price or scope is unknown. Enter zero only after confirming that no separate allowance is needed, such as an item already included in your unit quote. Avoid double-counting included work. No typical project price, lender limit or contingency percentage is assumed.
Match costs to the supplier payment schedule
Ask each provider which items are included, who is responsible and when payments are due. Compare those milestones with financing draw conditions before making a commitment. An unfinished worksheet or missing quote cannot establish your final project cost.
How to use the funding gap
The gap is the amount remaining after your planned contribution, based only on the costs entered. It is not your available home equity or an approved borrowing amount. A financing provider evaluates available options and repayment obligations separately. Your home secures a HELOC, so a repayment plan matters independently of projected rent.
Sources & scope
Sources checked October 10, 2026. General educational information, not an individual financing recommendation. Loan terms and approval are determined by the lender. ADU Fund Co helps with initial inquiries and next steps.