FHA makes it easier to finance accessory dwelling units in hopes of boosting homeownership

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Changes that allow income from accessory dwelling units to be counted toward a mortgage will allow more borrowers to qualify for Federal Housing Administration (FHA) financing.

The U.S. Department of Housing and Urban Development announced a new policy that allows borrowers to count income from accessory dwelling units when they apply for a mortgage.

The Biden administration has made housing supply a priority and has invested over $12 billion in support to help first-time homebuyers, according to a White House statement. The ADU announcement is part of the administration's pledge to aggressively increase homeownership opportunities.

general affordability problem has hampered housing activity as Americans struggle with high home prices and soaring mortgage rates. Borrowers are either taking a wait-and-see approach on mortgage rates or can't qualify to borrow, leaving many sidelined, MBA Deputy Chief Economist Joel Kan said this week at the Annual Conference in Philadelphia. However, the housing supply shortage is why borrowers willing to buy can't.

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A new federal policy allows you to finance for an ADU. What you need to knowThe new policy of the Federal Housing Administration intends to address the housing crisis and increase homeownership through the financing of ADUs.
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