Plan Your Financing

The County has created the ADU Financing Guide to provide property owners with guidance and tools to understand the costs associated with building ADUs and the way that people typically pay for them.

The County has created a forgivable loan program for anyone who will agree to rent their ADU at an affordable rent to an income-qualified renter. Up to $40,000 is available to fund construction, subsidize fees, or contribute to a down payment that will allow borrowers to secure additional financing.

The County has partnered with Habitat for Humanity Monterey Bay and Senior Network Services to create the My House My Home loan program to help low-income senior homeowners build ADUs. The goal is for the ADUs to provide rental income and flexible living arrangements to help seniors age in place.