Financing an ADU is Hard.
With OneBuild it’s Easy.
Building an ADU is a smart investment and figuring out how to pay for it shouldn’t stand in your way. Whether you’re building for family, income, or flexibility, our team guides you through every step - from exploring grants and low-interest loans to securing pre-approval and completing your build. We make financing your ADU as seamless as building it.
One team. One process. OneBuild.
Local & State ADU Programs
We educate homeowners on trusted programs which offer grants, low-interest loans, and financial assistance for building Accessory Dwelling Units across New York State. These programs are designed to make ADUs more affordable - helping you create space for family, generate rental income, or improve your property’s value.
Home Equity & Cash-Out Refinancing
If you own your home, you already have financing power built in. Through a Home Equity Loan or Cash-Out Refinance, you can use your existing home’s value to fund your new ADU at some of the lowest interest rates available. We’ll connect you with trusted lenders and provide detailed project cost estimates and ROI projections to strengthen your loan application and ensure your investment makes financial sense.
OneBuild Partner Financing
For qualified clients, OneBuild offers access to turnkey financing options through our network of preferred lenders. These programs are built specifically for prefab and ADU projects - with flexible terms, fast approvals, and financing that covers everything from design and permitting to delivery and installation. We’ll help you find the right plan, secure pre-approval, and move from a dream to a build without the financial guesswork.