Financing an ADU involves more variables than most homeowners expect — permits, design fees, construction, utilities, and landscaping all factor into the total. Before any of that starts, knowing what your monthly payment could look like gives you a realistic target. Use this ADU loan calculator to run estimates before you commit to a scope or a contractor.

Enter your loan amount and adjust the term to see how the payment changes. HFS Financial’s lender network offers personal loans from $1,000 to $450,000, with fixed rates as low as 7.8% and terms up to 30 years. No home equity required. Funds go directly to you once approved — no staged draws tied to inspections.

When you’re ready for a real number, the Check My Rate tool returns actual loan options in 60 seconds with no impact on your credit score. You Dream It, We Finance It.