Finance an Accessory Dwelling Unit

ADU Loans

Finance your accessory dwelling unit with an ADU Loan.

Financing to Fit

Borrow up to $250,000 for ADU design, permitting and construction. Perfect credit not required.

Simple Terms

No upfront fees and no pre-payment penalties. Fixed interest rates, with reduced rates for qualified lower-income applicants.

Convenient Repayment

Make automated payments directly from your bank account.


ADUs offer many benefits

We offer ADU Loans to Oregon residents in Multnomah, Washington, or Clackamas Counties.

Create needed housing

ADUs can be part of the solution to our housing crisis, especially when rented out as affordable housing.

Generate future income

While you’ll need to plan for construction and ongoing maintenance costs, an ADU can provide ongoing income and increase the value of your property.

House family and friends

An ADU gives your loved ones their own space, close to you. An ADU can also let you age in place.

ADU Loans

BackHome ADU Loans

As of 1/1/24, we are not accepting new applications for BackHome ADU Loans.

In partnership with BackHome ADU. Receive a subsidized interest rate on an ADU loan, in exchange for agreeing for 8 years to rent the completed ADU to a tenant (including a family member or friend) who earns no more than 80% of area median income*.

Customer Stories

Affordable Housing, One Unit at a Time

Many cities desperately need more units of affordable housing. Accessory dwelling units (ADUs) are one way cities can create housing, build wealth, and reduce displacement.

Making a difference

Serving Homeowners

Since 1994, Craft3 has made 8,212 loans to homeowners totaling $132.6 million. These loans have strengthened $2.26 billion of local real estate.

Our Team

“I love numbers! But I never forget that behind every application I review there’s a person that deserves careful and personalized attention.”

Nicole Gerke
Consumer Credit Underwriter, VP