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ADU Financing Options

Smart Ways to Finance Your ADU in East Atlanta

Understanding Your Financing Options for a Backyard ADU

Building an ADU is one of the smartest ways to increase your living space and long-term property value, but figuring out how to pay for it can feel overwhelming. At SmartSpaces ADUs, we partner with trusted lenders and walk you through financing options like home equity lines of credit, renovation loans, and cash-out refinancing. Our team helps you compare paths based on your goals, equity, and timeline without any pressure or hard credit checks. Whether you're ready to build now or still exploring, we’re here to help you make a confident, informed decision.

Do you offer financing for ADUs?expand_more

Yes! SmartSpaces ADUs offers financing options through our trusted partner, Statestide Lending, to help make your project possible, whether you're building a rental unit, a home for aging parents, or extra living space.

What kinds of financing do you offer?expand_more

Through Stateside Lending, we offer a variety of homeowner-focused loan options, including:

  • Home Equity Line of Credit (HELOC)

  • Cash-Out Refinance

  • Renovation and Construction Loans

These options are designed specifically for ADUs and home additions, and they don't require a hard credit pull to explore.

How much does an ADU typically cost?expand_more
Most ADUs we build range from $90,000 to $200,000, depending on size, layout, and finishes. Studio units generally start around $90K, while one and two-bedroom models can reach up to $200K.

We are proud to partner with

Stateside Lending-1

CONTACT THEM today to see your loan options.

 

1. Home Equity Line of Credit (HELOC) 

In the current economic landscape, many homeowners are turning to a Home Equity Line of Credit (HELOC) as a flexible financing option. This credit line is secured by the equity in your home and consists of two phases: a draw period and a repayment period. You only pay interest on the funds you use, which are available to you typically for a term of about 10 years, perfect for funding your project as needed.

 

2. Cash Out Refinance

Similar to a HELOC, a cash-out refinance leverages your home’s existing equity, but it works differently. Instead of adding a new line of credit, this option replaces your current mortgage with a new one, potentially at a different rate. The difference between the new mortgage amount and your previous one is given to you in cash, which you can use to finance an ADU or other home improvements.

This method is particularly advantageous if you have significant home equity and if your current mortgage rate is higher or comparable to the current market rates.

 

3. Renovation or Construction Loan

Unlike equity-based options, a renovation or construction loan provides financing without using your home as collateral. This makes it a suitable choice if you want to avoid securing your property or if you have limited equity in your home.

However, keep in mind that this type of loan often comes with stricter eligibility requirements, including higher credit scores and income levels. Additionally, these loans may carry higher interest rates, which can result in a more substantial monthly payment than other options.

How SmartSpaces ADUs Works

1 | Pick Your ADU Model
Start by choosing from our collection of pre-designed ADU models. Each one is created to maximize livable space in compact footprints, giving you a smart starting point tailored to your needs and lot size.
2 | Customize the Details
After selecting your model, you’ll choose finishes like siding, paint colors, flooring, cabinetry, and appliances. Our streamlined options make it simple to personalize your ADU while keeping the process efficient and stress-free.
3 | We Handle the Rest
From permitting through construction, our team takes care of everything. We manage the entire process to keep your project on track and on budget. When we're done, your new ADU will be move-in ready and built to last.

Where We Work

We proudly serve homeowners across East Atlanta, with a focus on neighborhoods where quality craftsmanship and smart space planning make the biggest impact. Whether you're building for aging parents, creating a rental, or converting a garage, we understand the local zoning and lot conditions that make ADUs feasible and worthwhile. Our team prioritizes clear communication, smart design, and high-quality finishes in every project.

Our Service Area

  • Decatur
  • Brookhaven
  • Chamblee
  • Dunwoody
  • Avondale Estates
  • Stone Mountain
  • Suwanee
  • Ansley Park
  • Embry Hills
  • Buckhead
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SmartSpaces ADU Cost Guide

Plan your ADU project with confidence

Our free Cost Guide gives you the clear numbers you need to set a realistic budget and move forward with peace of mind.

What You’ll Get:

  • Accurate price ranges for studios, one-bedroom, and two-bedroom ADUs
  • Options for customization and finishes

  • Insights on how design choices and goals affect your total cost

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Build Your ADU with a Trusted Local Expert

We make it easy to explore your ADU options with a quick, no-obligation conversation. You’ll get expert insight into design, costs, and next steps, so you know exactly what to expect. Let’s start planning the smartest space for your home.

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