ADU Pass
Pago Pago
ADU Pass helps homeowners in Pago Pago, Western District, American Samoa navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.
American Samoa state — ADU law and programs
State financing programs
American Samoa has no ADU-specific loan, grant, or subsidy program. The Development Bank of American Samoa (DBAS) administers general residential financing that can be used for new construction or renovation, including standalone structures on the same parcel as a primary dwelling, but nothing in the program shape targets accessory dwelling units specifically. The DBAS Residential Mortgage & Renovations program caps at $200,000 at 7% fixed for 30 years, 1-3 bedroom. DBAS also administers HUD-backed home loans ($43K for 1BR, $50K for 2BR, 2.5-5% fixed, up to 30 years) and the Section 1602 tax-credit exchange program for affordable housing developers.
State housing programs
American Samoa has no public housing projects, no Section 8 Housing Choice Voucher program, and no HUD Multifamily Housing units — the territory inquired about becoming a Public Housing Authority but has not funded the program. Federal housing assistance reaches the territory primarily through the HUD-funded Community Development Block Grant — Disaster Recovery (CDBG-DR) program administered by the American Samoa Government Department of Commerce, and through DBAS-administered HUD Home Loans (covered in stateFinancing). The Territorial-Insular Area set-aside under federal housing appropriations reserves $30 million across American Samoa, Guam, CNMI, and USVI, split by population share. None of these programs are ADU-specific.
Federal (United States) — ADU-relevant rules and programs
Federal ADU law
The United States has no federal statute that directly regulates accessory dwelling unit entitlement or design. Land-use authority over ADUs resides with states and local governments under the traditional police power. Federal engagement is limited to financing (Fannie/Freddie/FHA/VA/USDA), flood insurance (FEMA/NFIP), and discretionary housing programs (HUD), which are recorded in sibling sections of this file.
Federal financing programs
Federal housing-finance agencies and GSEs set nationwide underwriting rules that govern whether an ADU can be financed, appraised, and counted toward mortgage qualifying income. The relevant actors are Fannie Mae, Freddie Mac, FHA (HUD), VA, and USDA Rural Development.
Federal tax credits
There is no ADU-specific federal tax credit. ADUs may incidentally qualify for existing federal energy-efficiency and clean-energy tax credits when the ADU construction includes qualifying measures.
Federal housing programs
HUD administers several discretionary programs that can fund ADU-related activity at the grantee's election, but none is an ADU-specific program.
ZIP Code
- 96799
Post Office
- 1 Lumanai Bldg, 96799