How to Finance Your ADU in Greeley
Compare rates, find local lenders, and discover local grants to fund your backyard cottage or garage conversion in 2026.
Financing Options Comparison
| Loan Type | Rate | Max Amount | Pros | Cons |
|---|---|---|---|---|
| HELOC | 7.5% - 9.5% | Up to 85% LTV | Flexible draws Interest only period | Variable rates Requires current equity |
| Cash-Out Refi | 6.5% - 7.5% | Up to 80% LTV | Fixed rate Single mortgage | Resets 30yr clock High closing costs |
| Construction Loan | 7.0% - 9.0% | Based on future value | Great for low equity Large loan amounts | Complex draws Higher rates initially |
| Home Equity Investment | No Monthly Pmt | Up to $300k | No monthly payments Easy qualification | Give up future appreciation Expensive long-term |
Local Grants & Incentives in Greeley
Colorado Housing and Finance Authority (CHFA)
CHFA offers below-market financing for housing including accessory dwelling units. If Greeley joins the state's list of ADU-supportive communities, income-qualified Greeley homeowners may gain access to CHFA ADU financing.
Value: Below-market ratesColorado HB24-1152 ADU Support
Colorado's 2025 ADU law directs state resources and technical assistance toward ADUs in subject jurisdictions like Greeley. A statewide ADU financing or grant path may become available — verify current eligibility with the state and the City of Greeley.
Value: Varies — verify eligibilityTop ADU Lenders Operating in Greeley
Weld Community Credit Union
Local Home Equity Loans & Lines (Weld County)- Rates: From 7.0%
- Max Loan: Subject to LTV
Northern Colorado Credit Union
HELOCs & Home Mortgages for Greeley Homeowners- Rates: From 7.25%
- Max Loan: Subject to LTV
Credit Union of Colorado
Home Equity Loans & HELOCs- Rates: From 7.25%
- Max Loan: Up to 90% LTV
FirstBank
Colorado Construction-to-Permanent Loans- Rates: From 7.5%
- Max Loan: Subject to LTV
Bellco Credit Union
Colorado Home Equity & Renovation Loans- Rates: From 7.25%
- Max Loan: Up to 90% LTV
RenoFi
Renovation Loans Based on After-Renovation Value- Rates: From 7.25%
- Max Loan: $500,000
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