My Home Plus One ADU Program

My Home Plus One ADU technical assistance begins with helping homeowners determine what can be built on their property based on Title V capacity and zoning. Homeowners learn best practices for becoming a successful landlord. Then Housing Assistance will help the homeowner complete an ADU buildout proposal request that outlines the project parameters in a way that will be easy to submit to contractors for bids. Throughout construction and lease-up of the project, Housing Assistance staff will facilitate a homeowner’s work with contractors, town permitting and the bank as needed. We will monitor leases annually to ensure compliance with the year-round requirement for 5 years.

Housing Assistance’s ADU technical assistance and incentive program, My Home Plus One, addresses each of the identified obstacles to ADU creation. Housing Assistance has worked with three local banks to create flexible products to assist homeowners in building an ADU. Cape Cod 5, The Cooperative Bank of Cape Cod and First Citizens’ Federal Credit Union all offer varying products such as: a Cash out Mortgage Refinance, Construction loan or a Home Equity Lines of Credit or Loan. There are options to fit different financial needs of homeowners. Additionally, these local banks will allow flexible qualifying parameters with the ability to use projected rent from the ADU as income toward the debt-to-income calculation.

My Home Plus One ADU program will help homeowners create ADUs, and gain practical experience that will help us refine the program and its marketing. We’ll share findings and recommendations for replicating this program elsewhere in the state with other groups such as our peer members in the Regional Housing Network or other Community Development Corporations.

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Download Our Accessory Dwelling Unit Report

Your first steps to building an ADU:

  1. Review The Cape Cod Commission’s summary of Accessory Dwelling Unit Provisions for your town.
  2. Reimagine your property. What type of ADU are you hoping to develop (detached, basement, garage, or other)
  3. How many bedrooms does your current septic system allow? Contact your town’s Health Department if you are unsure.
  4. Contact Housing Assistance Corporation’s My Home Plus One ADU Program for technical assistance.
Learn More About the My Plus One ADU Program

Steps to Building an ADU

We will market the benefits of ADU creation as well as the program to homeowners most likely to benefit from building an ADU, such as homeowners whose home value is at, or below, the median for the area, landlords renting to our Section 8 voucher-holders, low-income homeowners who receive free energy audits, and homeowners who have come to us for assistance. We will also partner with groups like Amplify POC (People of Color) Cape Cod and the New England Wellness Foundation, which specializes in Spanish and Portuguese human services, to ensure that our marketing reaches communities of color throughout the region.

The technical assistance part of the program will be modeled on the processes we use in our energy and weatherization services, which offers homeowners a free assessment of their property and needs, and then connects them with contractors that optimize their homes for energy efficiency. The first step of the program begins with a standard checklist and process for helping homeowners determine what can be built on their property based on Title V and zoning. Before enrolling in the program, homeowners will be educated about best practices for becoming a successful landlord. Then Housing Assistance will help the homeowner complete an ADU buildout proposal request form that outlines the project parameters in a way that will be easy to submit to contractors for bids.

Throughout construction and lease-up of the project, Housing Assistance staff will facilitate homeowner’s work with contractors, town permitting and the bank as needed. We will monitor leases annually to ensure compliance with the year-round requirement for 5 years.

At this time, the marketing technical assistance for ADU creation and lease monitoring is fully funded. Pending additional funding, homeowners may receive a financial incentive to offset the cost of building an ADU in the form of a forgivable loan.

As we work through the first year of the program, our staff will be tracking not just quantitative measures, such as how many inquiries we receive and how many projects are completed, but also qualitative measures that can inform how the program should evolve to be more effective and scalable.

ADU Home
The Housing Shortage Crisis
ADU Basics
ADUs are a Win for Homeowners, Renters and Our Community
Why Aren’t There More ADUs?
ADU Resources