Accessory dwelling unit financing — San Francisco, CA

Last updated: September 24, 2026

What affects the price

Building an ADU is a major project, and the final bill depends on a few key things. Site prep is a big factor; if your land is sloped or needs extensive utility connections, costs go up. The materials you choose—from siding to kitchen finishes—also change the math significantly. Whether you’re building a detached unit or converting an existing garage shifts the permit requirements and structural work needed. We provide exact pricing confirmed free on the call.

About this service

Financing an ADU involves finding a loan product that works for your specific financial situation. You might use a home equity line of credit, a cash-out refinance, or a specialized construction loan. You need this service if you have the space for a unit but need help covering the upfront costs.

Frequently asked in San Francisco

Also serving nearby: Daly City · Richmond · San Mateo · Berkeley · Oakland

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More on this: HUD ADU resources — ADU policy and financing research.

Service area details

Serving all of San Francisco — population 808,988; about 17,323 residents per square mile across 46.7 sq mi. ZIP codes covered include 94102, 94103, 94104, 94105, 94107, 94108, 94109, 94110.

Neighborhoods served in San Francisco: Sunset District, Marina District, Richmond District, Noe Valley, Hayes Valley — and every surrounding area.