ADU costs vary a lot. The home itself is only part of the total project. Land conditions, grading, utility runs, permits, foundation work, delivery, crane access, and local labor can change the final price.
Permits also vary by city and county. Some places are ADU-friendly. Others have strict rules about size, height, setbacks, parking, owner occupancy, or separate utility meters. A local builder or design team can explain the permit path for your address.
Financing may include cash, home equity products, refinance options, or a construction-to-permanent loan if available. Some buyers also ask about personal property or chattel loans for certain home types, but loan products depend on the home, land, and lender rules. Read more in our guides and costs pages, then get matched to compare builders near you.