ADU Pass
Guam
Guam's limited land area and military-driven housing demand make accessory dwelling units a smart option for property owners looking to add living space. ADU Pass helps Guam residents navigate the local permitting process so they can build a secondary unit on their existing lot.
Map
State ADU details
State financing programs
- Guam Housing Corporation Regular Loan Program (Guam Housing Corporation)
- Guam Housing Corporation Six Percent Loan Program (Guam Housing Corporation)
- Guam Housing Corporation Rural Housing Loan Program (Guam Housing Corporation (with USDA Rural Development))
- CAHAT Down Payment Assistance (Guam Housing Corporation)
- GHURA HOME Investment Partnerships Program (Guam Housing and Urban Renewal Authority (GHURA))
- Guam Homeowner Assistance Fund Program (Guam Department of Administration)
State housing programs
Known state issues (1)
- policy-review (since 2025-04) — P.L. 38-007 is under 12 months old at 2026-04 so implementation practice at the village permitting level is still maturing. Applicants should expect case-by-case interpretation until consolidated rules arrive. (source)
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.