Accessory Dwelling Unit Loan Program (ADULP)

Update January 2024: Program closed until further notice.

CalHome funds for ADULP are no longer available.

From 2022 - 2023, Oakland's Pilot Accessory Dwelling Unit Loan Program (ADULP) offered financing and technical assistance to low-income homeowners to convert an existing unpermitted secondary unit into a legal Accessory Dwelling Unit (ADU) or Junior Accessory Dwelling Unit (JADU). The property was required to be located in an "Opportunity Zone".

Many secondary units in Oakland were developed outside of the required permitting process. The ADU Loan Program was designed to help ensure that these units are safe, legal, and can continue to provide flexible housing options for tenants or family members and potentially rental income for low-income Oakland homeowners. Participants receive a deferred payment loan of up to $100,000 and guidance with the design, bidding, permitting, and construction processes.

Interested homeowners and contractors can find more information by following the links below.

Photo Credit: Valley Home Development

Contractor RFQ(PDF, 181KB)

Homeowner Guides

Eligibility guidelines, financing terms, program process, and required forms.

• ADULP Overview(PDF, 684KB)
  Program Overview for Homeowners
• Eligibility Checklist(PDF, 786KB)
  Minimum eligibility requirements and instructions to request more information
• Process Summary(PDF, 175KB)
  One-Page summary of steps to follow in the ADULP Process
• Program Description(PDF, 260KB)
  ADULP Program and Financing Description
• Opportunity Zones
  Search by address. Opportunity Zones are in purple on the search map.
• 2022 Income Limits(PDF, 164KB)
  State Income Limits for ADULP Financing (CalHOME)
• Spanish Resources
  • ADULP Homeowner Flyer - Spanish(PDF, 623KB)
  • ADULP Eligibility - Spanish(PDF, 489KB)
  • ADULP Program Description - Spanish(PDF, 259KB)
  • ADULP Owner Instructions - Spanish(PDF, 175KB)
  • ADULP Pre-Screening Survey - Spanish(PDF, 462KB)
• Mandarin Resources
  • ADULP Eligibility - Mandarin(PDF, 546KB)
  • ADULP Program Description - Mandarin(PDF, 235KB)
  • ADULP Owner Instructions - Mandarin(PDF, 269KB)
  • ADULP Pre-Screening Survey - Mandarin(PDF, 603KB)
• Additional Homeowner Programs
  Other Homeowner Rehabilitation programs in Residential Lending Services

Resources for ADU Design & Construction

• Guidebook to Oakland ADUs
  Overview of Oakland regulations for single-family ADU development
• Planning & Building
  ADU resources from Oakland's Planning & Building Department
• ADU Handbook(PDF, 736KB)
  ADU guide issued by California's Department of Housing & Community Development

Contractors & Design Professionals