Explore Your Options | Compare Loan Types | Estimate Costs
Building an ADU? We’ll Help You Finance It — the Smart Way.
Massachusetts’ new ADU laws have made it easier than ever to build a rental unit, in-law suite, or multigenerational space right in your backyard. But how do you pay for it?
ADU Link doesn’t offer loans, but we’re here to guide you through all available financing options in Massachusetts — from local grants and zero-interest loans to home equity and refinance programs. Our goal is to make funding your ADU as accessible and transparent as possible.
💡 What You’ll Find on This Page
✅ A breakdown of ADU financing options available in Massachusetts
✅ Info on programs from local cities, banks, and credit unions
✅ A calculator to estimate your monthly payments
✅ Guidance tailored to where you live (Boston, Cape Cod, or anywhere in MA)
🔗 Explore Financing Options
Use the links below to dive deeper into each option:
🔹 State & City ADU Grants and 0% Loan Programs
Grants and loans from Boston and Massachusetts agencies
(Includes 0% interest loans, Home Modification Loan Program, and more)
🔹 Cape Cod Financing
Exclusive ADU loan programs from Cape Cod 5, Seamen’s Bank, and local institutions
🔹 Local Banks & Credit Union Options
See what local lenders are offering in HELOCs, cash-out refinance, and construction loans
🔹 National Lenders for ADU Projects in Massachusetts
See what national lenders are offering in HELOCs, cash-out refinance, and construction loans
🔹 Compare Loan Types
Not sure which loan is right for you? Learn the pros and cons of each option
🔹 ADU Loan Calculator
Estimate your monthly loan payment instantly
🔹 Get Financing Help
Not sure where to start? Fill out a quick form and we’ll send you a list of resources
🧮 Estimate Your Budget
Try our ADU Loan Calculator to get a rough idea of your monthly payment based on the loan amount, interest rate, and term. Use this to plan ahead before you speak with a lender.
🚫 We’re Not Lenders — Just Local ADU Guides
ADU Link provides information only. We do not offer loans or financial services. We simply connect you to the best publicly available ADU financing programs and trusted local banks.
👋 Ready to Begin?
➡️ Choose a financing path from the options above
📞 Have questions? Contact us for general guidance