Pricing & financing
One price. Everything in it.
No “starting at.” No change orders. Design, permits, foundation, delivery and install are all in the price — and the number in your contract is the number you pay.
Launch pricing — 30% off our published home prices — is already in every price, through December 31, 2026. Estimated rent is an example, not a guarantee.
Large Studio ADU
Studio · 1 bath · laundry · deck
Project pricing
Five homes. Five all-in prices.
Backyard Studio
120 sq ft · 8’ × 15’ · with deck
$75,900
Best forOffice · guest · gym
Small Studio
256 sq ft · 1 bath · laundry
$124,900
Est. rent / month$1,900 – 2,700
Large Studio ADU
320 sq ft · 1 bath · laundry · deck
$154,900
Est. rent / month$2,000 – 2,800
1 Bedroom ADU
480 sq ft · 1 bath · laundry · deck
$214,900
Est. rent / month$2,100 – 3,000
2 Bedroom ADU
640 sq ft · 1 bath · laundry · deck
$271,900
Est. rent / month$2,600 – 3,600
All-in price: design, permits and city fees, foundation, delivery, crane, utility hook-ups and final inspection — fixed in writing after a free lot check. Launch pricing — 30% off our published home prices — through December 31, 2026. Estimated rent is an example, not a guarantee.
What’s in the price
Everything from lot check to keys
Other builders quote the box and leave the rest to you. Our price is the whole project — the same list for every model.
Not included: furniture and decor, landscaping beyond the work area, and upgrades you choose beyond our standard finishes.
Bay Modular · all-in12 items
- Free lot check & feasibilityINCL.
- Design & finish selectionINCL.
- Permit drawings & engineeringINCL.
- City permit & plan-check feesINCL.
- Site prep & foundationINCL.
- Your home, built in our CA factoryINCL.
- Delivery and crane placementINCL.
- Water, sewer & electrical hook-upsINCL.
- Full kitchen & bathroomINCL.
- Lighting & flooring — move-in readyINCL.
- Final inspection & occupancyINCL.
- Project manager, start to keysINCL.
Your price, locked
Three steps to a price that won’t move
Free lot check
We review zoning, setbacks, utilities and crane access for your address.
Written final price
If your lot needs anything unusual, you see it now — not after you sign.
Sign — that’s the price
The price changes only if you change the plan.
Ways to pay
Pick how you’ll pay — we’ll fit the plan
Our plans carry California HCD approval, so the home is appraised and financed like an ordinary house.
Bay Modular is not a lender. Talk to 2–3 lenders to compare.
Home equity
HELOC / cash-out refinance
- How it works
- Borrow against what you already own
- Best for
- Owners with equity in their current home
- Future rent
- Not used to qualify
ADU construction loan
Lenders that specialize in California ADUs
- How it works
- Borrow on your home’s value with the ADU added
- Best for
- Owners with little equity today
- Future rent
- Usually not used — lenders look at income and after-build value
Renovation loan
FHA 203(k) / HomeStyle
- How it works
- One loan for the house and the ADU
- Best for
- Buying or refinancing a home with an ADU planned
- Future rent
- Counts only once the ADU is leased
Cash
Pay from savings
- How it works
- No interest, no closing costs, no lender timeline
- Best for
- The simplest and fastest path
- Future rent
- Not needed
Once the ADU is built and leased, Fannie Mae, Freddie Mac and FHA let lenders count its rent — up to 30% of qualifying income — when you refinance or buy later.
See rent by cityWhy you can trust us
Licensed, approved, and built in our own factory
Is the price really all-in?
Yes. The final price covers the home, permits, site preparation, foundation, delivery and crane, utility connections and final inspection. It is not a starting price.
When is my price fixed?
After the free lot check — about 3 days — we send you a written final price. If your lot needs anything unusual, you see it then, before you sign. After you sign, the price changes only if you change the plan.
Is there a discount right now?
Yes. Launch pricing — 30% off our published home prices — is already in every price. It ends December 31, 2026.
Will a bank finance it?
Yes. Our plans carry California HCD approval, which makes the home real property — appraised and financed like an ordinary house, not as a manufactured home. Most owners borrow against the equity in the house they already own.
Can future rent help me qualify for a loan?
Usually not for the build loan itself — lenders look at your income and home equity. Once the ADU is built and leased, Fannie Mae, Freddie Mac and FHA let lenders count its rent (up to 30% of qualifying income) when you refinance or buy later.
Will my property taxes go up?
Only on what you add. California reassesses new construction, not the home you already own — your existing assessment stays as it is. Your county assessor can confirm the specifics for your address.
Blogs
All guidesApr 23, 2020
May 13, 2020
Ready to start?
Get your written all-in price
Start with a free lot check — about 3 days. Launch pricing, 30% off, runs through December 31, 2026.
or call (209) 214-6845