Discuss your property and financing →
Start with the property, then the funding gap
Bring your property ZIP, approximate home value, mortgage balance and the amount you expect to contribute yourself. These estimates help frame a conversation; they do not establish available credit. A lender determines eligibility, terms and the approved amount.
For a detached prefab ADU, request a written quote that separates the unit from delivery, foundation, utility work, installation and approvals. Compare the complete budget with available savings and proposed financing before committing to a deposit. Use our prefab budget checklist to record included and excluded items.
Sacramento city resources are a planning starting point
The City of Sacramento ADU Resource Center organizes the project into planning, design, costs, applications and construction, and provides a shelf-ready plan library. Its cost guidance recommends a detailed estimate because site conditions and construction choices change the budget.
The city separately explains that preapproved ADU plans still need site-specific design and permitting, including planning and zoning approval. Confirm whether the property is inside Sacramento city limits; a Sacramento mailing address alone does not identify the permitting agency. These city resources do not establish requirements for other cities or unincorporated county parcels.
Should I use a HELOC or refinance?
Ask the financing provider to compare a separate home equity line with other suitable options and explain the total payment obligation. Review our HELOC for an ADU guide before the call. A HELOC is secured by your home, generally has a variable rate, and can have changing repayment obligations. It is not a promise that the project will pay for itself.
Can I finance a prefab unit before permits?
Ask the provider what project documentation is required and when funds would be available. Separately ask the supplier who handles permits and which payments are refundable. Financing and permitting are different decisions; avoid treating either as approval of the other.
What happens after I inquire?
ADU Fund Co helps with the initial project conversation and financing next steps. Share your timing, intended use and whether you have a quote. A representative will reach out within 24 hours. An inquiry is not a booked appointment; a scheduled call requires confirmation. Permits and installation are handled by the project providers.
Sources & scope
- City of Sacramento: ADU Resource Center
- City of Sacramento: project costs
- City of Sacramento: preapproved plans and site-specific approval
- CFPB: how a HELOC works
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.