Flexible Financing for ADU in Sacramento
An ADU is one of the smartest investments you can make in Sacramento, but we know the up-front cost gives plenty of homeowners pause. That’s why Benson ADU Sacramento works hard to keep payment straightforward. Call us at (279) 254-1808 and we’ll walk you through what financing looks like for your specific project before you commit to anything. No mystery math, no pressure, just a clear picture of what building an ADU on your property will actually cost month to month.
Payment Options We Offer
Financing Plans
We connect Sacramento homeowners with third-party financing partners who specialize in construction and ADU projects. These lenders understand how ADU builds are phased, which means draws are typically released as work is completed rather than all at once. We’ll help you understand how the numbers break down and what a monthly payment could look like for your budget.
Major Credit Cards
For smaller deposits, design retainers, or change orders along the way, we accept all major credit cards. Many Sacramento homeowners use a rewards card for the initial planning phase and then switch to a construction loan once permits are approved. Our team tracks every payment digitally and sends you a receipt by email the same day.
Cash or Check
If you’re paying for your ADU without financing, we accept cash and traditional checks at clearly defined project milestones. You’ll see each milestone spelled out in your written price before work begins, so you always know exactly when a payment is due and what it covers. No one from our office will ever show up asking for money that wasn’t already scheduled in your agreement.
Up-Front Written Pricing
This is the part of our process that makes every payment option work. Before any work starts, you receive a written price for the entire project. That document includes the full scope, the materials, the labor, and the payment schedule. If something changes along the way, you approve it in writing first. We never bill for surprises after the fact.
Simple Application Process
Getting answers about ADU financing in Sacramento shouldn’t feel like applying for a mortgage on a house you haven’t designed yet. Our process is deliberately short. First, call (279) 254-1808 and tell us about your property and what kind of ADU you’re considering. We’ll talk through rough costs and whether you’re thinking about a prefab unit from Abodu or Cover, or a site-built addition. Second, we’ll help you have a quick pre-qualification conversation with a financing partner. It’s usually a ten-minute call that gives you a realistic borrowing range. Third, once you know what you qualify for, we’ll help you choose the plan and payment structure that fits. You decide the pace from there.
Frequently Asked Questions
Yes. Benson ADU Sacramento works with third-party financing partners who offer loans designed specifically for ADU construction and home additions. We don’t lend money directly and we don’t lock you into a single lender. We’ll help you understand your options and connect you with a partner that fits your project size and credit profile. Call (279) 254-1808 to talk through what financing could look like for your ADU.
Most lenders will ask for basic information: your name, address, approximate project budget, and details about the property. For a pre-qualification conversation, you typically won’t need tax returns or pay stubs right away. Having a rough idea of your credit score and household income is helpful, but you can start the conversation with just your project goals. Call (279) 254-1808 and we’ll point you in the right direction.
No. Your initial estimate is free. We’ll come out, look at your Sacramento property, talk about setbacks, ADU and JADU options, and give you a written price before any work starts. You’ll know the number before you decide anything. Call (279) 254-1808 to schedule your free estimate.
Yes. Any current project offers or credits from Benson ADU Sacramento still apply whether you pay cash, use a credit card, or finance the project through a third-party lender. Financing doesn’t reduce the value of your written price or change the scope of work. Call (279) 254-1808 and we’ll explain exactly how your numbers work out.
Written by Troy Eastman, Owner at Benson ADU Sacramento, serving Sacramento since 2006.
