ADU Pass
Fallbrook
San Diego County portion
Also in: No County
ADU Pass helps homeowners in Fallbrook, San Diego County, California navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.
Map
ADU details
ADU legality: allowed
Fallbrook ADUs are by-right under California state law; County PDS issues ministerial approvals on the 60-day clock. The CPG cannot block an ADU but can comment on adjacent discretionary projects. Very-High Fire Hazard Severity Zone and abandoned-orchard fuel loads add Chapter 7A and FPC 2020 cost.
Cost scenarios
| Scenario | Sq ft | Permit | Build | Total |
|---|---|---|---|---|
| minimum | 150 | $6,500 | $70,500 | $77,000 |
| 600 | 600 | $14,500 | $282,000 | $296,500 |
| midpoint | 675 | $15,500 | $317,000 | $332,500 |
| 1000 | 1,000 | $19,500 | $470,000 | $489,500 |
| maximum | 1,200 | $22,000 | $564,000 | $586,000 |
Fee breakdown (as of 2026-04)
Permitting process
- Pre-application research (~14d)
Confirm APN, zoning, FHSZ status (most Fallbrook is Very-High), Coastal Overlay status (Fallbrook is inland — usually no CDP), and FPUD service area boundaries. Review County's pre-approved plan catalog at sandiegocounty.gov/content/sdc/pds/bldg/adu_plans.html. - Pre-screen with PDS (~21d)
Optional but recommended for VHFHSZ parcels — file PDS-PLN-396 DEHQ Project Pre-Screen ($0-low fee) to flag fire/septic/well issues before full application. - Application submittal (~3d)
Submit via County PDS Permit Center (5510 Overland Ave., Suite 110, San Diego). Bring zoning, septic (if no FPUD sewer), well/water-meter docs, fire-marshal forms. - Plan review (Building / Fire / DEH / NCFPD) (~60d)
Parallel reviews: PDS Building, San Diego County Fire / NCFPD (depending on station territory), Department of Environmental Health Quality (septic), DPW (driveway). NCFPD review is the binding constraint for VHFHSZ parcels. - Corrections cycle (~28d)
Applicant resubmits to PDS Permit Center; iterative until all reviewers sign off. - Permit issuance (~5d)
Pay full fee package at PDS Permit Counter (Overland Ave) or via online billing portal; permit issued. - Inspections during build
PDS Building Inspector performs foundation, framing, MEP, fire (Chapter 7A class-A roof, ignition-resistant siding, vent screening), final.
Viability (permitted uses)
- Long-term rental: yes (CA Gov Code 65852.2(a)(7))
- AB 1482 statewide rent cap (5%+CPI, max 10%) applies
- Rentals under 30 days prohibited unless STRO-permitted
- Short-term rental: with-restrictions (San Diego County STRO Ordinance (No. 10773))
- County STRO ordinance: license required; tier-based restrictions
- TOT collection mandatory
- Fallbrook is not in coastal STR overlay but rural CWPP / fire-evacuation considerations may affect insurability
- Office rental: no (County zoning — ADUs are residential-occupancy) Renting ADU as commercial office to non-resident violates residential-use definition.
- Home office: with-restrictions (County home-occupation rules)
- Home-occupation permit
- No outside employees
- No customer foot traffic
- Agricultural-zone parcels have broader use allowances
- Studio / workshop: with-restrictions (County residential-occupancy limit) Personal artist/maker studio acceptable as incidental owner use.
- Agriculture: yes (Fallbrook Community Plan agricultural preservation) Fallbrook is famously agricultural (avocado/citrus). RA / RR / A70-A72 zones permit livestock, beekeeping, equestrian uses; ADUs commonly serve farm-help housing or working-ranch caretaker quarters.
- Relative support: yes (CA Gov Code 65852.22 (JADU)) JADU pathway available; multigenerational housing common in Fallbrook's older Hispanic-majority demographic.
Incentives
- CalHFA ADU Grant Program — $40,000 one-time predevelopment (Moderate-income owner-occupants statewide)
- Prop 13 ADU Assessment Limit
- San Diego County Pre-Approved ADU Plans — Catalog of pre-approved dwelling unit plans usable as ADUs. Plans roughly 85% complete; applicant fills in site-specific civil/utility/foundation details. Reduces design-engineering cost.
- SB 13 impact-fee waiver — Impact fees waived for ADUs under 750 sqft per Government Code 65852.2(f). Applies to County PDS impact fees in Fallbrook.
Pre-approved plans Pre-approved plans
Contacts
Staff: PDS Zoning Information Counter (First-stop ADU zoning intake (toll-free)), DEHQ Septic / Wells (Septic OWTS reviews for non-sewered Fallbrook parcels)
Utilities
- Water: Fallbrook Public Utility District (FPUD) — within service area; private well otherwise · 21d connect · $7,500
FPUD imports water through SDCWA; serves 35,000 residents across 28,000 acres. New service typically 2 business days after fees paid. Capacity fees scale with meter size; 5/8-inch ADU meter typical. Eastern/northern Fallbrook beyond FPUD boundary requires private well + DEHQ permit. - Sewer: FPUD (sewer service area only); private septic (DEHQ) elsewhere · 28d connect · $9,500
FPUD's sewer service area is smaller than its water service area; many central/older Fallbrook parcels are sewered, but most rural-residential lots use septic. Septic OWTS upgrades for ADUs require DEHQ percolation testing and may add $15-25k in soil-dependent cases. - Electric: San Diego Gas & Electric (SDG&E) · 75d connect · $5,800 · separate meter required
SDG&E timelines in rural Fallbrook longer than coastal cities due to rural distribution buildouts and CalFire-PSPS undergrounding requirements on new service drops in High/Very-High FHSZ corridors. - Gas: SDG&E or propane (most Fallbrook uses propane) · 30d connect · $2,500
SDG&E natural-gas mains do not reach much of rural Fallbrook; propane tanks are common. Title 24 all-electric option avoids the gas decision.
Property values & taxes
Market rent by ADU size
| Sq ft | Rent |
|---|---|
| 400 | $1,750/mo |
| 600 | $2,150/mo |
| 800 | $2,400/mo |
| 1,000 | $2,700/mo |
Construction timeline
Realistic total: best 9mo · typical 14mo · worst 22mo
Rural construction add 4-6 weeks vs. urban North County. Chapter 7A fire-safe construction adds 2-3 weeks. Septic install adds 4-8 weeks for non-sewered parcels (DEHQ percolation testing + permit + install). NCFPD inspections require staging.
Modular pathway inspectors are occasional with modular
Financing
State ADU loans:
- CalHFA ADU Grant Program up to $40,000
- California HCD ADU Funding Index
Insurance impact
California FAIR Plan increasingly the only available carrier on Fallbrook rural-residential parcels in VHFHSZ. Premium delta nearly 2x what coastal cities see. Wildfire mitigation upgrades (defensible space, Class A roof, ember-resistant vents) can unlock private market in some cases.
HOA prevalence & preemption
Fallbrook is largely rural-residential without HOAs. Limited HOA presence in newer master-planned subdivisions on the south side toward Bonsall and in Lake Rancho Viejo / Saratoga / Pankey Estates pockets. State-law HOA-preemption (AB 670 + AB 3182) applies where HOAs exist. Most working-ranch parcels are unaffected.
Regulatory overlays (4)
- wui-fire-zone
Fallbrook (and surrounding Bonsall/Rainbow/De Luz/Pala) is wholly within CalFire Very-High Fire Hazard Severity Zone. CRC Chapter 7A applies (Class A roof, ignition-resistant siding, vent screening, defensible space 100 ft). NCFPD enforces locally. 2022 Fallbrook CWPP cites abandoned-orchard fuel load as principal hazard. - flood-zone
San Luis Rey River corridor along Fallbrook's southern boundary (Bonsall side) and Live Oak Creek tributaries cross some parcels; FEMA Special Flood Hazard Areas (Zone A/AE) trigger elevation certificates for impacted lots. - seismic-retrofit-zone
ASCE 7-22 Seismic Design Category D2; Elsinore Fault Zone runs through northeast Fallbrook (Pala side). Soft-story rules apply to qualifying retrofits. - other
Fallbrook is NOT in Coastal Overlay Zone (inland from Camp Pendleton coast); Coastal Development Permits not required. Fallbrook lies adjacent to MCB Camp Pendleton; AICUZ noise contours touch the western edge near Live Oak Park.
Technical envelope (climate & building code)
Climate & energy code
Building code
Amendments:
- Amendment
- Amendment
- Amendment
Contractor market (aggregate)
Legal history (timeline)
Current ordinance: San Diego County Zoning Ordinance — Accessory Dwelling Units (Title 6 Land Use; §6157 et seq.), adopted 2017-01-01, last amended 2024-01-09
- 1922-01-01 — Fallbrook Public Utility District (FPUD) incorporation (city-ordinance)
FPUD established as a state-law public agency to provide water and sewer service to the Fallbrook subregion.
Effect: Created the institutional water/sewer infrastructure that ADU connections in Fallbrook now use. FPUD now serves 35,000 residents across 28,000 acres. - 2017-01-01 — San Diego County ADU ordinance update (AB 2299/SB 1069 conformance) (city-ordinance)
County PDS updated Title 6 ADU rules to conform with 2017 statewide ADU reform.
Effect: Replaced legacy Second Dwelling Unit rules; introduced ministerial track for ADUs in unincorporated areas including Fallbrook. First County recognition of state preemption framework. - 2020-01-01 — San Diego County ADU ordinance — AB 68/881/587 alignment (city-ordinance)
County zoning revised to allow one ADU + one JADU per single-family lot under 2020 statewide ADU package.
Effect: Established the up-to-two-units-per-lot baseline used in Fallbrook today; 60-day ministerial clock; preempted parking and owner-occupancy. Set 4-foot side/rear setbacks per state minimum. - 2022-01-01 — County of San Diego 2020 Consolidated Fire Code — 7th Edition (city-ordinance)
County adopted the 2020 California Fire Code with the County's 7th-edition local amendments.
Effect: Imposed defensible space, ignition-resistant construction (CRC Chapter 7A), and on-site water-supply requirements on Fallbrook ADUs in CalFire SRA / Local Responsibility Area Very-High FHSZ. North County FPD enforces locally. - 2022-06-01 — Fallbrook 2022 Community Wildfire Protection Plan (CWPP) (city-ordinance)
Fallbrook Fire Safe Council updated CWPP for the Fallbrook/Bonsall/Rainbow/De Luz area.
Effect: Established the planning framework that NCFPD and CalFire use to enforce defensible-space and ignition-resistant requirements on new construction including ADUs. Cites abandoned-avocado-orchard fuel load as a principal hazard driver. - 2024-01-09 — San Diego County ADU plan-check fee waiver — sunset (city-ordinance)
County's ADU plan-check fee waiver window closed for projects whose permits had not yet issued by 2024-01-09.
Effect: Fallbrook ADU applicants whose pre-2024 applications hadn't issued by the cutoff now pay full plan-check fees. Active state SB 13 impact-fee waiver (under 750 sqft) still applies. - 2025-01-01 — AB 1332 statewide pre-approved plans deadline (San Diego County compliance) (state-law)
County PDS publishes pre-approved ADU plan catalog (plans approximately 85% complete) to satisfy AB 1332.
Effect: Fallbrook applicants can choose from County's catalog and skip the structural-engineering portion of plan check. Plans require site-specific civil/utility completion before submittal.
Known issues (3)
- other — VHFHSZ status + abandoned-avocado-orchard fuel loads (per 2022 CWPP) create insurability friction; private-market homeowners coverage frequently non-renewing on Fallbrook rural parcels.
- other — Sewered service area (FPUD) is smaller than water service area; most rural lots require DEHQ septic permit adding 4-8 weeks and $1k-25k.
- fee-schedule-pending — County ADU plan-check fee waiver expired 2024-01-09; no current waiver replacement announced. SB 13 impact-fee waiver still applies for under-750-sqft ADUs.
San Diego County — county ADU rules and overlays
County ADU ordinance
San Diego County regulates ADUs on parcels in the unincorporated county under Title 6 of the County Code (Zoning Ordinance), Sections 6156.x. The county's ADU framework layers on top of California Government Code sections 65852.2 (ADU) and 65852.22 (JADU), which preempt many local standards statewide; the county ordinance fills in the locally-controlled parameters (setbacks, design standards, parking in non-transit unincorporated areas, fire-safe design in VHFHSZ) that state law leaves to local choice. The current ordinance reflects amendments adopted 2020 (Ord. No. 10693) and 2023 (Ord. No. 10749) to conform with AB 68 / AB 881 (2019), AB 976 (2019 owner-occupancy elimination through 2024), SB 13 (2019 fee reductions), AB 2221 / SB 897 (2022 design/permit clarifications), and AB 1033 (2023 condo-ADU optional program; San Diego County has not opted into AB 1033 condo separation as of 2026-04-20). The county permits up to one ADU plus one JADU per single-family parcel by right, and the state-mandated two ADUs per multifamily lot; parking is not required on ADUs within 1/2 mile of transit. The county's distinct contributions on top of state law are the fire-hardening / defensible-space design standards for ADUs sited in Very High Fire Hazard Severity Zones, the airport-noise compatibility review for ADUs within Airport Land Use Compatibility Plan (ALUCP) zones, and the Coastal Development Permit (CDP) requirement for ADUs in the county's certified Local Coastal Program (LCP) jurisdiction.
- San Diego County Code of Regulatory Ordinances Title 6 (Zoning) — Accessory Dwelling Unit provisions
- PDS ADU Technical Bulletin and applicant handouts
- Ordinance No. 10693 — 2020 ADU ordinance conforming to AB 68 / AB 881 / SB 13
- Ordinance No. 10749 (approximate) — 2023 ADU ordinance update for AB 2221 / SB 897 / AB 1033
State-floor overlay: California state law (Gov. Code 65852.2, 65852.22) preempts most local ADU regulation. The state sets ministerial-approval requirements, caps fees, mandates 60-day permit review, forbids local owner-occupancy requirements through 2024 (extended effectively through AB 976 / subsequent amendments), sets minimum allowed sizes (850 sqft one-bedroom, 1000 sqft two-bedroom), forbids parking requirements within 1/2 mile of transit or on replacement-covered-parking ADUs, and caps impact fees at zero for ADUs under 750 sqft. San Diego County's ordinance reiterates and applies these floors, adding only the locally-controlled fire, airport, and coastal overlays. Where a project is in a VHFHSZ or coastal-commission jurisdiction, state ADU preemption still applies to the ADU allowance itself but does not preempt the county's separate fire and coastal authority over site-design standards.
County regulatory overlays
San Diego County administers or co-administers several overlay regimes that materially affect ADU siting on unincorporated parcels: (1) the California Coastal Commission's jurisdiction along the coastal zone (a narrow band up to 5 miles inland in some places), implemented through the county's certified Local Coastal Program (LCP) covering unincorporated coastal segments; (2) Very High Fire Hazard Severity Zones (VHFHSZ) designated by CAL FIRE and reviewed by the State Board of Forestry, which cover very large portions of the unincorporated back-country and drive defensible-space, ignition-resistant-construction, and access requirements; (3) FEMA Special Flood Hazard Areas (SFHA) along the San Diego River, San Dieguito River, San Luis Rey River, Otay River, Sweetwater River, Tijuana River, and associated coastal zones; and (4) Airport Land Use Compatibility Plans (ALUCP) administered by the San Diego County Regional Airport Authority's Airport Land Use Commission around MCAS Miramar (federal military), NAS North Island / Naval Outlying Landing Field Imperial Beach (federal military), Gillespie Field (Santee, county-owned), McClellan-Palomar (Carlsbad, county-owned), Brown Field (Otay Mesa, City of San Diego), Montgomery-Gibbs Executive (Kearny Mesa, City of San Diego), Ramona Airport (county-owned), Fallbrook Community Airpark (county-owned), Oceanside Municipal, and Jacumba Airport. Seismic-retrofit overlays are not a county-administered regime in San Diego (unlike parts of Los Angeles / San Francisco); California seismic building-code compliance applies statewide through the California Building Code adopted by the county.
- California Coastal Commission / County Local Coastal Program (LCP) — The county's LCP covers the unincorporated coastal segments near Del Mar Mesa, Torrey Pines extensions, Crest / Harmony Grove (tributary areas), and the Camp Pendleton / Oceanside boundary. An ADU within the coastal zone requires a Coastal Development Permit (CDP) unless categorically excluded; most single detached ADUs qualify for an Administrative CDP (noticed but ministerial-like) while those in sensitive-biological or visually-sensitive settings may require a heard CDP. The Coastal Commission retains appeal jurisdiction over county CDPs within the defined appeals area. State law (Gov. Code 65852.2(j)) preserves the CDP requirement for ADUs in the coastal zone notwithstanding the otherwise-ministerial state ADU framework.
- CAL FIRE / State Board of Forestry Very High Fire Hazard Severity Zones (VHFHSZ) and County Fire Code — Very large portions of unincorporated San Diego County — most of the East County back-country including Julian, Warner Springs, Descanso, Pine Valley, Jacumba, Campo, Boulevard, Dulzura, Potrero, Palomar Mountain, Cuyamaca, and the San Diego / Cleveland National Forest interface — are designated VHFHSZ in either the State Responsibility Area (SRA) or the county's Local Responsibility Area (LRA). An ADU in a VHFHSZ must comply with California Building Code Chapter 7A (WUI-rated exterior materials: ignition-resistant siding, dual-pane windows, 1/8-inch-max vent screens, Class A roofing, non-combustible eaves / soffits / decks), minimum 100-foot defensible-space per Pub. Res. Code 4291, minimum driveway width and turnaround per fire-district standards, and minimum fire-flow water supply (2,500 gpm residential standard, reduced for sprinklered ADUs per Sec. R313). CAL FIRE or the local FPD (Alpine, Bonita-Sunnyside, Deer Springs, Julian-Cuyamaca, Lakeside, North County, Pine Valley, Rancho Santa Fe, Rural FPD of San Diego County, Valley Center, etc.) reviews the ADU permit. The 2025 wildfire season reinforced these requirements; no county-wide moratorium has been imposed, but permit backlogs lengthen post-fire when affected areas surge rebuild applications.
- FEMA Special Flood Hazard Areas (SFHA) — National Flood Insurance Program — The county administers FEMA NFIP floodplain regulations for unincorporated parcels. Principal SFHA extents are along the San Luis Rey River (Bonsall, Pala, Pauma), San Dieguito River (Lakeside, Ramona uplands), San Diego River (Lakeside, Santee extensions), Sweetwater River (Spring Valley extensions), Otay River (Jamul, Dulzura, Otay Mesa extensions), and Tijuana River estuary (Tijuana / Imperial Beach extensions). ADUs in an SFHA require lowest-floor elevation to or above Base Flood Elevation plus 1 ft county freeboard, flood vents on enclosures below BFE, anchoring, and a post-construction Elevation Certificate. 2024-2025 saw several FEMA FIRM revision studies for Otay, San Luis Rey, and Sweetwater watersheds; owners should confirm current effective panel before design.
- Airport Land Use Compatibility Plans (ALUCP) — San Diego Regional Airport Authority ALUC — The San Diego County Regional Airport Authority serves as the ALUC for all airports in the county. ALUCP airport influence areas (AIAs) extend roughly 2-5 miles beyond each airport depending on runway configuration and establish safety zones (Zones 1-6) and noise contours (60/65/70 dB CNEL). Principal ALUCP overlays affecting unincorporated parcels are MCAS Miramar (extensive AIA covering Scripps Ranch fringes, Miramar Ranch North, Tierrasanta approaches, into unincorporated Rancho Santa Fe / Poway fringes), Gillespie Field (AIA extending into unincorporated Lakeside, El Cajon fringes, Bostonia), McClellan-Palomar (Carlsbad-adjacent unincorporated areas), Ramona Airport (large rural AIA), and Fallbrook Community Airpark (Bonsall / Fallbrook). An ADU in a safety zone may face density restrictions, CC&R / avigation-easement recording requirements, and noise-attenuation construction standards (STC-rated windows, forced-air HVAC with acoustic treatment). The ALUC reviews county-referred projects; in a safety-zone conflict the county may override only by a super-majority Board vote per PUC 21676.
- San Diego County Biological Mitigation Ordinance / Multiple Species Conservation Program (MSCP) — The county's MSCP covers south county unincorporated areas and establishes Pre-Approved Mitigation Areas and a Biological Mitigation Ordinance that triggers biological review for grading and construction in designated preserve-land overlays. An ADU outside the existing dwelling footprint that requires grading in a designated MSCP preserve or Biological Resource Core / Linkage area will trigger a biological review / mitigation obligation on top of the ministerial ADU permit. Inside a parcel's previously-disturbed building envelope the MSCP typically does not add requirements. The East County MSCP Subarea Plan remains pending final approval as of 2026-04-20.
County permitting (unincorporated parcels)
The County of San Diego Planning & Development Services (PDS) department is the single-point-of-contact for ADU permits on parcels in the unincorporated county. Unincorporated San Diego County covers approximately 3,570 square miles (about 79% of the county's 4,526 sqmi land area) and includes densely developed fringe areas (Ramona, Alpine, Lakeside, Spring Valley, Fallbrook, Valley Center), rural back-country (Julian, Warner Springs, Jacumba, Boulevard, Campo), and tribal lands (which are not county-permitted). The 18 incorporated cities (San Diego, Chula Vista, Oceanside, Escondido, Carlsbad, Vista, San Marcos, El Cajon, Santee, La Mesa, Encinitas, National City, Poway, Coronado, Imperial Beach, Lemon Grove, Del Mar, Solana Beach) permit their own ADUs independently. PDS combines planning / zoning review, building plan review, grading / drainage review, fire-district referral (most unincorporated areas are served by CAL FIRE / County Fire Authority or a local Fire Protection District rather than a city fire department), and environmental review (CEQA applicability is normally exempt for ministerial ADUs per Gov. Code 65852.2(f) and Pub. Res. Code 21080(b)(8)).
California state — ADU law and programs
State ADU law
California has the most aggressive statewide ADU preemption regime in the US, built from ~15 bills passed 2019-2025 and enforced by the Department of Housing and Community Development (HCD). The 2026 HCD ADU Handbook addendum (in effect with the 2025 Title 24 code cycle) is the operative state-level reference. The regime does four things at once: (1) preempts local zoning that would ban or unreasonably restrict ADUs; (2) imposes by-right ministerial approval with short statutory deadlines; (3) caps fees and utility-connection charges; and (4) empowers HCD to void non-compliant local ordinances.
State HOA preemption
California has the strongest statewide HOA-preemption regime in the US for accessory dwelling units, built from two bills: AB 670 (2019) voided ADU-prohibiting covenants on single-family residential lots, and AB 3182 (2020) extended and codified the preemption into the Davis-Stirling Common Interest Development Act (Civil Code §§ 4740 / 4741). The combination prohibits common-interest communities from banning ADUs, restricting rentals below 25% of separate interests, or treating ADUs as separate HOA interests. Limits remain: HOAs retain authority over reasonable design standards and statutory height limits, and the 2026 Carlsbad case (CalMatters coverage) established that an HOA's documented design-standards regime can effectively delay or constrain ADU approval short of outright prohibition.
State financing programs
California's flagship state-level ADU financing program — the CalHFA ADU Grant Program — is paused and has not been refunded since the original $100 million allocation was fully deployed 2023-12-28. The program provided up to $40,000 per qualifying homeowner for pre-construction and non-recurring closing costs and financed approximately 2,500 ADUs in two rounds. As of 2026-04, no new funding round has been announced in the state budget. CalHFA continues to publish anti-scam warnings because bad actors actively solicit homeowners claiming access to grant funds that no longer exist. State-level financing activity has shifted to local pilot programs (San Francisco, San Jose, Los Angeles, San Diego) and private financing products (Fannie Mae ADU mortgage, HELOC, construction-to-permanent).
State housing programs
California's state-level ADU programs are concentrated at HCD (technical guidance, ordinance review, enforcement) and the paused CalHFA grant pipeline (covered under stateFinancing). The state does not operate a central pre-approved ADU plan library — instead, AB 1332 (2024) created a preemption framework for local pre-approved plans with a 30-day ministerial-approval deadline, and major cities (Los Angeles, San Diego, San Jose, Sacramento, Berkeley) have rolled out their own plan catalogs. The California YIMBY coalition and other housing-policy organizations play an influential role in bill drafting; they are not state agencies but effectively drive much of the ADU legislative agenda. The Title 24 code cycle (now 2025, in effect for 2026 permits) is the authoritative building-code baseline.
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
- 92028
Post Office
- 747 S Mission Rd, 92028