SDHC ADU Finance Program

San Diego Housing Commission (SDHC)

Available Home Repair

About This Program

SDHC ADU Finance Program is available to homeowners in San Diego, CA.

The SDHC ADU Finance Program offers construction-to-permanent loans up to $250,000 at a 1% fixed rate during construction, converting to a 4% fixed rate for a 15-year permanent loan to help City of San Diego homeowners build accessory dwelling units. Borrowers must agree to rent the ADU affordably for seven years to tenants earning up to 80% AMI. Income limit is 150% AMI ($236,600 for most households).

Income up to 150% AMI; minimum 680 credit score; property must be detached single-family in City of San Diego; max 75% LTV

Official source site checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In San Diego, CA, you can combine this program with other local help to cut your cost:

Key Details

  • Construction loan at 1% fixed; permanent loan at 4% fixed for 15 years
  • Must rent ADU affordably for 7 years (≤80% AMI tenants)
  • City of San Diego properties only, detached single-family homes
  • Income up to 150% AMI (~$236,600); minimum 680 credit score
  • Apply online at adu.sdhc.org; $2,500 application fee at approval

How to Apply

Get free help applying Visit Official Program Page Track this program

(619) 578-7788

A grant-savvy contractor in San Diego, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in San Diego early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can SDHC ADU Finance Program provide in San Diego, CA?

Up to $250,000 construction-to-permanent loan at 1%-4% fixed.

Who qualifies for SDHC ADU Finance Program in San Diego?

SDHC ADU Finance Program is open to homeowners in San Diego, CA.

How do I apply for SDHC ADU Finance Program in San Diego, CA?

Apply directly with San Diego Housing Commission (SDHC) using the official program link on this page or call (619) 578-7788. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse San Diego, CA contractors

Find More Programs in San Diego, CA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs