Cumming

ADU Pass helps homeowners in Cumming, Forsyth County, Georgia navigate the permit paperwork for building an accessory dwelling unit. This area covers 3 ZIP codes.

3 ZIP codes
Forsyth County — county ADU rules and overlays

County ADU ordinance

Forsyth County, GA (261,000 residents in north Atlanta exurbs) administers the Forsyth County Unified Development Code (UDC) for unincorporated territory. The only incorporated city is Cumming (county seat).

State-floor overlay: No GA statewide ADU preemption.

County regulatory overlays

Forsyth County administers flood-hazard, and (where mapped) coastal, wildland-fire, historic, and airport overlays that shape ADU project feasibility. The most consistent overlay across the county is FEMA NFIP floodplain regulation; other overlays apply to specific geographies inside the county.

County permitting (unincorporated parcels)

Forsyth County issues building permits for parcels in unincorporated territory through its development services / planning department, with separate review tracks for zoning conformance, building-code compliance, on-site sewage where applicable, floodplain compliance, and addressing. Inside incorporated municipalities, city departments handle their own permits; the county's authority is geographically limited to unincorporated territory. An ADU permit application is typically processed as a residential building permit with a zoning verification step against the county's ordinance for the parcel's zoning district.

DepartmentForsyth County Development Services / Planning Department
Georgia state — ADU law and programs

State financing programs

Georgia does not operate an ADU-specific statewide loan, grant, or forgivable-loan program. The Georgia Department of Community Affairs (DCA) administers the Georgia Dream homeownership program, which includes the Georgia Dream Standard, Georgia Dream Hardest Hit Fund DPA, and (effective 2025-07-01) the Georgia Dream Peach Advantage Loan Program for expanded down-payment assistance. None target ADU construction directly; an ADU-bearing primary residence can qualify for the underlying Georgia Dream first mortgage when other eligibility criteria are met.

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 Codes

  • 30028
  • 30040
  • 30041

Post Office

  • 2530 Ivy St E, 30041
  • 525 Tribble Gap Rd, 30040

Locale Names

  • Lanier Carrier Annex