Funding, Incentives, and Development Charges

Public assistance can reduce some project costs, while development and utility charges can add costs beyond an ordinary permit fee. Both depend on the location, project type, timing, and program or authority rules.

Find the right information

• Current ADU grants, loans, rebates, and public programs compares program types and shows why a published program description does not prove that funding is still available.
• Conditions attached to ADU funding explains rent, income, occupancy, completion, and continuing-use requirements.
• Fee waivers, pre-approved plans, and technical assistance covers public help with plans, fees, and early feasibility.
• Development, utility, connection, and capacity charges separates these charges from base permit fees and shows how to seek a project-specific amount.
• Public mortgage and appraisal policies for ADUs describes lender-policy questions without treating them as land-use approval.

Local program and charge examples

These guides answer narrower questions about one place, program, or charge. They describe the published terms and point out where intake, funds, parcel eligibility, or a current fee calculation still needs confirmation.

Grants, loans, and tax relief

• Orlando ADU Incentive Program
• Calgary Secondary Suite Incentive Program
• Saskatchewan Secondary Suite Incentive Grant
• Massachusetts ADU Loan Program
• Truckee ADU Creation Forgivable Loan
• Napa County Affordable ADU Forgivable Loan
• Ulster County Plus One ADU Home Program
• Boston ADU Financial Assistance
• Saint John ADU Grant
• Comox Home Suite Home Incentive
• Kingston ARU Incentive Program
• Collingwood Rapid ARU Grants
• Hamilton ADU and Multi-Plex Incentive
• Charlotte Queen City ADU Program
• Washington ADU property-tax exemptions
• Salem, Massachusetts affordable ADU tax exemption

Fee relief, plans, and assistance

• Portland ADU System Development Charge waiver
• Dublin, California ADU fee waiver
• Pasadena ADU fee relief and Standard Plan
• Sacramento ADU zoning-review waiver and Shelf Ready plans
• Pinole Amnesty ADU/JADU fee incentives
• Whitby ADU fee reimbursement

Development and utility charges

• Bonney Lake ADU impact and utility charges
• Napa County affordable-housing impact fee
• Ontario ADU development-charge exemptions
• Somerset residential-annexe CIL relief
• Hounslow Building Safety Levy rates and applicability

More focused guides

Financing and tax treatment

• CMHC Refinance for Building a Secondary Suite explains the insured Canadian refinance route and its occupancy and construction-stage limits.
• Colorado CHFA ADU Finance Programs separates lender collateral support, mortgage buydowns, relending, and the different government-applicant grant round.
• Canada’s Multigenerational Home Renovation Tax Credit covers the qualifying household, renovation, tax-year, and expense tests.

Local grant and charge programs

• Waterloo ARU Funding compares the City grant with the separate Region loan and documents their conflicting home-value limit.
• Kitchener ADU Development-Charge Grant compares the charge-grant tiers with the unit count and affordability, energy, and accessibility paths.
• San Antonio Casita Incentives compares the City loan levels, income conditions, and conditional design and fee support.
• Edmonton’s secondary-suite sanitary trunk charge explains why the City’s public charge, collection, and rate statements do not establish a parcel amount.

Plans and local pre-review

• San Mateo County GLADUR Plans and Local Pre-Review lists the free designs and participating cities while keeping site review and permitting in view.

Before relying on a benefit or amount

Confirm that the property is inside the administering authority, that the project and applicant meet the current eligibility rules, and that intake and funding remain open. A charge schedule may depend on the parcel, unit count, service configuration, application date, or an approved exemption or deferral. Neither a program nor a financing policy establishes zoning permission, building-code compliance, utility capacity, or occupancy approval.