Accessory Dwelling Unit (ADU) Financing

An ADU, or Accessory Dwelling Unit, is a secondary living space located on the same property as an existing home. Depending on your property and your city or town’s requirements, it may be detached, attached, or created by converting an existing space, such as a garage.

An ADU can be used in many ways, depending on your needs and your city or town’s requirements. Homeowners may use an ADU to create space for aging parents, adult children, extended family, guests, or potential rental income.

In some cases, yes. Rental use depends on your plans and your city or town’s zoning, permit, and housing requirements.

Before moving forward, it’s a good idea to contact your city or town’s building, planning, or zoning department to confirm whether rental use is allowed for your property.

If you are converting a garage into eligible living space, WCCU can help you explore financing options that may fit your project, property, and goals.

Before starting the project, you may also want to contact your city or town’s building, planning, or zoning department to confirm whether the conversion is allowed and what permits may be needed.

The right financing option depends on your project, available equity, timeline, and overall financial picture. WCCU can help you compare options and talk through what may work best for your situation.

Yes. ADU requirements can vary by city or town, so it’s helpful to contact your city or town’s building, planning, or zoning department before finalizing your project.

They can help you understand zoning, permit, design, and occupancy requirements, which may give you a clearer idea of your timeline, costs, and financing needs.