SDHC ADU Finance Program
San Diego Housing Commission (SDHC)
About This Program
The Grant Map catalogs SDHC ADU Finance Program in its San Diego, CA research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
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
Record set last reviewed 2026-04-03. How we verify our data.
Other published resources for San Diego, CA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- SDHC Housing Rehabilitation Program, Home Repair Grant Up to $15,000 grant for emergency/accessibility repairs
- SDHC First-Time Homebuyer Program, Low Income Up to 19% of purchase price (max ~$125,000 loan) + $10,000 closing cost grant
- SDHC First-Time Homebuyer Program, Middle Income $40,000 deferred loan + $10,000 closing cost grant
- San Diego County Housing Repair Loan and Grant Program Up to $40,000 in loans and grants combined for repairs
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
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Track this programProgram phone: (619) 578-7788
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in San Diego.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
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).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Rolling
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Frequently asked questions
What amount is listed for SDHC ADU Finance Program in San Diego, CA?
The Grant Map record states: Up to $250,000 construction-to-permanent loan at 1%-4% fixed. Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for SDHC ADU Finance Program in San Diego?
The directory record carries audience tags for homeowners. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for SDHC ADU Finance Program in San Diego, CA?
Confirm the application route directly with San Diego Housing Commission (SDHC); use the cited source on this page as a starting point or call (619) 578-7788. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
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Find More Programs in San Diego, CA
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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