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Browse pre-approved architectural plans tailored for Hawai'i's climate and regulations.
Note: Estimated costs vary by island, site conditions, and finish level. Oahu typically has higher construction costs. Contact a contractor for accurate quotes.
Use our mortgage calculator to estimate monthly payments and understand the total cost of your ADU investment.
Estimate your monthly ADU payments
Current Mortgage Rates
As of February 6, 2026Sources: Bankrate, Freddie Mac, Money.com. Rates are national averages and may vary. Click a rate to apply it.
Down payment: $50,000
Estimated Monthly Payment
$1,624.40
Loan amount: $200,000
Monthly Breakdown
Total Interest
$243,785
Total Cost
$584,785
First Year Summary
This calculator provides estimates only. Rates shown are national averages as of February 6, 2026 and may vary by lender, credit score, and location. Contact a lender for personalized quotes. Hawai'i property taxes vary by county.