Accessory Dwelling Unit Loan Program (ADULP)

Legalizing Unpermitted Secondary Units in Oakland's Opportunity Zones

Owner Eligibility
Eligibility Checklist
Mandarin Resources
Program Materials in Mandarin
Spanish Resources
Program Materials in Spanish

Posted: June 23rd, 2022 5:01 PM

Last Updated: January 30th, 2023 9:14 PM

Photo of ADU Courtesy-CA-Dept-of-Housing-and-Community-Development

Oakland’s Accessory Dwelling Unit Loan Program (ADULP) provides 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 must be located in an Opportunity Zone.

Many secondary units in Oakland were 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. Participants receive a deferred payment loan of up to $100,000 and guidance with the design, bidding, permitting, and construction processes.

Interested homeowners and contractors can find more information by following the links below.

Photo Credit: Valley Home Development

Contractor RFQ

Homeowner Guides

Eligibility guidelines, financing terms, program process, and required forms.

Resources for ADU Design & Construction

Contractors & Design Professionals