• Cape & Coast Bank offers a variety of financing tools to support the construction of an ADU

https://www.capeandcoastbank.com/personal/loans/accessible-dwelling-units/

• Cape Cod Five offers an equity line of credit as well as a mortgage product to finance an ADU.

https://www.capecodfive.com/adu

• First Citizens Credit Union offers a mortgage for financing ADUs.

https://www.firstcitizens.org/personal/borrow/mortgage

• MassHousing plans to introduce affordable, accessible construction financing for low and moderate-income homeowners beginning in 2026.

• Seaman’s Bank

https://www.seamensbank.com/loan-product-available-for-accessory-dwelling-units/

Home Modification Loan through the Commonwealth of Massachusetts

If the ADU is for a family member with a disability or for someone over age 60, the Commonwealth of Massachusetts now allows the use of its 0% Home Modification Loan to help finance ADU construction. Please note that income limits and other eligibility criteria apply.

https://www.mass.gov/home-modification-loan-program-hmlp