Financing a new build or ADU in New York is more complicated than financing a standard home purchase — and the options vary significantly based on where you are, what you own, and what you're building. Programs like RUPCO Plus One, the NYC DADU initiative, and various HECU products have specific eligibility requirements that most buyers don't know to look for.

The 2x4 Financing Navigator cuts through the noise. Answer five questions — your county or borough, property type, ownership status, project type, and timeline — and the tool returns a curated list of financing options that actually apply to your situation, including grant programs, construction loan products, HELOCs, and referral links to lenders with relevant experience.

This is not a loan application or a financial product. It is a research tool to help you understand your options before you talk to a lender or an attorney. Free with a 2x4 account.