"The Plus One ADU pilot pairs low or no interest city capital loans with state construction grants and can provide up to $395,000 in financing to qualified owners where existing zoning already allows an additional unit, according to NYC HPD. HPD program materials, including a term sheet and FAQ, spell out income limits, which building types qualify and basic design templates that are intended to help projects move from idea to construction with fewer surprises."
"The pilot's first round of outreach drew roughly 2,800 homeowners who said they were interested, the Mayor's Office told reporters, although only a fraction ultimately qualified for financing. As reported by THE CITY, about 25 percent of first-call applicants met the eligibility criteria, with many of those homeowners clustered in Queens, Staten Island and the Bronx."
"HPD's Plus One ADU portal includes an address-search tool and a set of pre-approved ADU designs so owners can quickly see what types of units are allowed on their property and what layouts are already vetted, the agency says. The site also offers flyers in multiple languages along with a FAQ."
Mayor Zohran Mamdani revived the Plus One ADU pilot program, which provides city-backed financing for homeowners creating accessory dwelling units on their properties. The program combines low or no-interest city capital loans with state construction grants, offering up to $395,000 in total financing to qualified owners in areas where zoning already permits additional units. Applications are open through June 12, 2026, with City Hall targeting loan closures later in the year. The first pilot round attracted approximately 2,800 interested homeowners, though only 25 percent met eligibility requirements, primarily concentrated in Queens, Staten Island, and the Bronx. HPD provides an online portal with address-search tools, pre-approved designs, and multilingual resources to streamline the application process.
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