Most ADU projects are funded through home equity. Here are the main options, how they work, and what lenders typically look for.
Having these ready makes the financing conversation shorter.
Permitted plans
Addwell provides permit-ready drawings as part of the project.
Licensed, insured contractor
Addwell carries all required licenses and insurance.
A price the lender can underwrite
Lenders prefer a fixed contract. Every proven plan sells at a fixed price plus design fees; only the first build of a new plan is cost-plus, with the design free.
After-construction appraisal estimate
Some lenders require this. We can help coordinate.
Proof of equity or down payment
Typically 15–20% of project cost, depending on loan type.
Construction timeline
Addwell provides a detailed schedule at contract signing.
Most financing conversations go faster once you know your plan size and project scope. Start with the property.
Keep exploring
ADU rules by city
Cited, city-by-city ADU rules across the Front Range.
Questions answered
Allowed, how big, what it costs, how long — answered from the adopted codes.
How the finder works
What to type, what you get back, and what it deliberately will not tell you.
Rental income potential
Rent, resale value, and what a permitted second unit adds to your property.
ADUs for family
Aging parents, multigenerational living, childcare.
Process & timeline
What to expect from contract to move-in.
Floor plans & pricing
Five plans, three finish grades, five architectural styles.
About Addwell
Who we are and how we build.