NPHS Factory-Built ADU Financing Program

Up to $100,000

6.99% APR
20-Year Loan Term
No Pre-Payment Penalty

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An Affordable Eco-Friendly Solution

Today’s factory-built ADU’s are hand crafted in dedicated home building facilities, staffed and supervised by professional teams in a secure environment. Homes are built indoors (meaning no weather delays) and factories allow for a greater degree of quality control for each home built. These facilities can build homes in a much faster and more cost-effective way than traditional home builders-meaning less cost for your new home.

Advances in offsite construction housing technology have made factory-built homes a more appealing ADU option on many levels. This innovation offers  customizable, energy-efficient, quality homes built faster, less expensive, and constructed using environmentally friendly building techniques.

  • Available to income-qualified homeowners who are ready to purchase a Factory-Built ADU for their primary residence
  • Up to $100,000 available for the purchase and installation of a Factory-Built ADU
  • Rates as low as 6.99% APR and subject to enrollment in ACH withdrawal for payments. Non enrolled homeowners will have a 7.25% APR.
  • 20-year loan term
  • No pre-payment penalty
  • Homeowner must have submitted approved plans to their local municipality for approval of construction and connected with a licensed contractor to get project estimates.
  • NPHS will provide financing for the Factory-Built ADU purchase along with any other construction related costs up to $100,000
  • CLTV not to exceed 85% at completion of project
  • Borrower must have a minimum credit score of 620
  • Families earning at or below 80% of the HCD household income limits for San Bernardino/Riverside/Los Angeles County
Household SIzeRiverside/San Bernardino CountyLos Angeles County
1$44,250$66,250
2$50,600$75,700
3$56,900$85,150
4$63,200$94,600
5$68,300$102,200
6$73,350$109,750
7$78,400$117,350
8$83,450$124,900

Factory-Built ADU Financing Workflow

CalHFA – California Housing Finance Agency

ADU Grant Program
The ADU Grant provides up to $40,000 to reimburse pre-development and non-reoccurring closing costs associated with the construction of the ADU. Prevelopment costs include site prep, architectural designs, permits, soil tests, impact fees, property survey, and energy reports.
ADU infographic
Who is eligible?

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Factory Built ADU