Accessory Dwelling Unit Loan Program (ADULP)
Update January 2024: Program closed until further notice. Information provided for reference only.
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 have been 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. The program offered a deferred payment loan of up to $100,000 and guidance with the design, bidding, permitting, and construction processes.
Photo Credit: Valley Home Development
Homeowner Guides (PROGRAM IS CURRENLTY CLOSED)
Eligibility guidelines, financing terms, program process, and required forms.