Accessory Dwelling Units

Affordable ADU Loan ProgramA patio outside a tiny home

The Orange County Housing Finance Trust is launching a subsidized construction-to-permanent loan specifically for Orange County homeowners building Accessory Dwelling Units (ADUs).

The innovative Affordable ADU Loan Program provides eligible homeowners a loan of up to $100,000 to complete the construction of rental ADUs for very low-income tenants. The 20-year loans are partially forgivable, deferred, and low-interest as long as the homeowner rents their ADU to income-qualified tenants for the first ten of the 20 years. Homeowners also receive funding for professional property management services to assist with tenant screening and leasing.

These shared-property rentals will provide ten years of stable, appropriately priced housing for very low-income households, add valuable RHNA credits for Yorba Linda, and contribute one ADU at a time to solving the housing affordability crisis. Upon repayment of the loan, borrowers have the flexibility to use the ADU as they choose, and a new ADU loan will be issued to create another affordable home for someone in need. More information about the program and instructions for applying for this innovative loan program can be found at The Orange County Housing Finance Trust website.

Program Materials

ADU Loan Program website
Program Guidebook
Frequently Asked Questions
Standby Interest List

Helpful Related Sites

Visit Orange County Council of Government's ADU-specific website with plans, calculators, and local ordinances.

Contact Information

949-229-1180

ADU@ochft.org