Financial Planning Tool
ADU Payment
Calculator
Estimate your monthly ADU payment based on project cost, down payment, and loan terms. A starting point for understanding the numbers before your feasibility check.
Estimate Your Monthly Payment
Move the sliders to adjust project cost, down payment, interest rate, and loan term. Estimated payments update instantly.
Rental Offset: Many Dane County ADUs rent for $1,200–$1,800/month. If your estimated payment is in that range, the ADU may effectively pay for itself.
Assisted Living Comparison: Quality assisted living in Wisconsin typically costs $5,000–$12,000/month. An ADU built for a parent often pays for itself in 2–4 years versus facility costs.
Property Value: A permitted ADU adds documented income-producing square footage to your property — typically recapturing significant value at sale.
Estimated Monthly Payment
$1,044
per month (principal + interest)
Project Cost$175,000
Down Payment$35,000 (20%)
Loan Amount$140,000
Interest Rate7.0% / 30 yrs
This is an estimate for planning purposes only. Actual payments depend on your specific loan terms, insurance, taxes, and lender requirements. Speak with an ADU lender for precise figures.
Discuss Financing with Our Team →