ADU Pass
Mayhill
ADU Pass helps homeowners in Mayhill, Chaves County, New Mexico navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.
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New Mexico state — ADU law and programs
State financing programs
New Mexico Mortgage Finance Authority (MFA), branded 'Housing New Mexico', is the state's quasi-public housing finance agency administering 35+ state and federal programs. As of 2026-04-26 MFA does not operate an ADU-specific homeowner loan or grant product. ADU construction or rehab can be financed indirectly through MFA's homebuyer programs (FirstHome 30-year fixed first mortgage for first-time buyers; HomeNow first mortgage with up to $7,000 down-payment / closing-cost assistance forgivable after 10 years; NextHome for non-first-time buyers with $7,000 grant) when the underlying primary-residence transaction qualifies. MFA's HERO Program (Healthcare, Education, Police/Public Safety, and 'Other' essential workers) provides reduced-rate first-mortgage financing. Several MFA Single-Family rehab programs (Energy$mart, Weatherization, HomeForward) can fund ADU-adjacent rehab work when the project meets program criteria. None of these is ADU-specific.
State housing programs
New Mexico does not operate a statewide pre-approved ADU plan catalog, statewide impact-fee waiver statute, or per-ADU rebate / incentive program as of 2026-04-26. The state's ADU programmatic posture leans on (a) the New Mexico Housing Trust Fund administered by MFA — funding affordable housing development including some ADU-style infill — and (b) the OSI's $10M wildfire-mitigation grant program for FAIR Plan-eligible structures, which can support hardening measures on ADUs in WUI areas. Governor Lujan Grisham's 2025-2026 housing initiative has emphasized infill and missing-middle (HB 17 pending in 2026); the Office of Housing within the New Mexico Department of Finance and Administration coordinates state-level housing policy across MFA, OSI, and DFA. Locally, City of Albuquerque operates an ADU promotion microsite (https://www.cabq.gov/planning/accessory-dwelling-unit) and Santa Fe County maintains a comprehensive ADU permit checklist; neither is a state program.
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
- 88339
Post Office
- 3495 US Highway 82, 88339