ADU Loan Investment Calculator

This is the total cost to build the ADU.
Initial down payment for the loan.
Expected rental income from the ADU per month.
Monthly payment for the loan.
Total duration of the loan in years.

Visualize Your ADU Loan & Income Projections

Our easy-to-use ADU loan calculator lets you estimate the costs, cash flow, and income potential of adding an Accessory Dwelling Unit to your property.

Just enter a few simple inputs like:

  • Down payment amount
  • Expected rental income
  • Loan amount and term

The calculator will then project:

  • Monthly loan payments
  • Cumulative rental income over time
  • Cash flow and profit calculations
  • Break-even timeline to recoup your investment

Visual charts allow you to easily see how an ADU could generate positive monthly income after rental earnings recover initial costs.

This powerful tool takes the guesswork out of determining if an ADU makes financial sense for your situation. See how rental rates, construction costs, and loan terms impact your long-term returns.

Whether you plan to use the ADU as a rental unit, guest house, or living quarters, understanding the numbers is crucial before making such a significant investment.

Try out the calculator today, and you’ll take the first step toward making an informed decision about adding an ADU to your property.


What Is the Down Payment for an ADU Loan?

Most lenders require a down payment for an Accessory Dwelling Unit (ADU) loan, similar to a mortgage. A typical down payment amount is around 20% of the total project cost. For example, if your ADU costs $200,000, you may need a $40,000 down payment.

What Are Typical ADU Loan Terms?

ADU loans generally have repayment terms of 10-30 years. A longer-term means lower monthly payments but more interest paid over the life of the loan. Work with lenders to find the right balance for your budget.

How Much Are Monthly Payments for an ADU Loan?

In addition to the loan amount and term, your monthly payment depends on the interest rate offered. Based on typical ADU loan rates, expect monthly payments from $200-$600 for every $50,000 borrowed over 20 years.

What Is the Income Potential of an ADU Rental?

The great thing about ADUs is their ability to generate rental income to help cover loan costs. In many markets, a one-bedroom ADU could rent for $1,500-$3,000+ per month.

How Much Value Does an ADU Add to a Home?

ADUs also add significant value to your property that can be recouped when selling. The estimated average increase on a $500,000 home can be $100,000+.

By exploring loan options and projecting your potential rental income, you can determine if an ADU makes financial sense. The key is finding a lender who understands ADU financing. Don’t be afraid to shop around for competitive rates and terms.

With proper budgeting, an ADU can provide extra income, increased property value, and living space for your family – a fantastic investment in your home.