Fund Control for ADU Construction
Pay only for verified progress.
ADU construction needs Fund Control
PayKeeper ensures milestone discipline by releasing funds only as real progress is documented—foundation, rough-in, and finals each trigger their own draw. With change-order clarity, approvals and budget adjustments are captured before money moves, keeping everyone aligned. And through direct-to-vendor payments and strict grant/loan compliance, subs and suppliers are paid precisely while meeting the controlled-draw requirements of state ADU grants and construction lenders.
Smooth process
Start by creating your project with defined scope, budget lines, retainage, and a milestone schedule covering everything from permits to final completion. Funds are deposited into a secure PayKeeper escrow account, and as inspections, permits, photos, and lien waivers are verified, money is released automatically to contractors, subs, and suppliers with full audit trails and approvals. At closeout, PayKeeper ensures clean resolution with punch-list completion, final lien releases, and a consolidated record packet for your files.
Protection for all parties
PayKeeper delivers a unified, software-driven platform combined with licensed escrow services, eliminating the need to juggle multiple systems or offices. Funds are disbursed directly to vendors, reducing exposure to the risks of intermediary pass-through payments. At project completion, the platform provides comprehensive, audit-ready closeout documentation that satisfies the requirements of lenders and grant administrators.
Frequently asked questions
How does PayKeeper handle ADU Grants (and similar programs)?
Eligible grant funds are deposited into a managed construction escrow alongside any loan/cash contributions. We release funds only to approved third parties for eligible costs and keep sufficient reserves until completion, aligning to program rules and audits.
I’m an owner-builder. Can PayKeeper still help?
Yes. Owner-builders face extra risk (scheduling, subs, compliance). PayKeeper enforces milestone-based draws, collects lien waivers, and can pay subs/suppliers directly—reducing surprises and protecting your budget.
Our lender says “fund control required.” What does that mean in practice?
It means your draws are gated by documentation (inspection reports, invoices, waivers). PayKeeper provides the escrow, the checklist, and the automation to move money the moment criteria are met. Many ADU construction loans require exactly this structure.
What assistance programs provide grants, loans, plan libraries or fee waivers to facilitate building an ADU?
The following entities are active in providing assistance to homeowners looking to build an additional building unit (ADU) in their property:
California
- CalHFA ADU Grant
- San Diego Housing Commission (SDHC) ADU Finance Program
- Los Angeles ADU Accelerator
- San José Scaling ADUs Pilot
Colorado
- Denver – West Denver Single Family Plus (WDSF+) ADU Pilot
District of Columbia
- Residential Accessory Apartment Program (RAAP)
Hawaii
- Maui County ‘Ohana Assistance Pilot
Massachusetts
- Boston Home Center ADU Loan & Technical Assistance Program
Maine
- Housing Opportunity Program (state municipal ADU grants)
New Hampshire
- HB 604 – Proposed ADU Loan Forgiveness Program
New York
- Plus One ADU Program (NYS HCR)
North Carolina
- Durham ADU Loan Pilot
Rhode Island
- RIHousing ADU Financing (FHA 203(k) promotion)
Utah
- Salt Lake City “Backyard Keys” ADU Loan
Vermont
- Vermont Housing Improvement Program (VHIP 2.0)
Washington
- Seattle ADUniverse (pre-approved DADU plans)
Oregon
- Portland ADU SDC Waiver + Free Plans
- Eugene Pre-Approved ADU Plans Library
- Salem Ready-Build ADU Plans
- Bend ADU Resource Hub
Can PayKeeper work with local assistance programs providing Fund Control Services for building an ADU?
Yes, PayKeeper can partner with city, county, and state ADU assistance programs to deliver escrow-backed Fund Control for homeowner projects. We align milestones and disbursement rules to each program (permits, inspections, retainage, lien waivers) and pay vendors directly to reduce pass-through risk. Audit-ready reporting, inspection tie-ins, and close-out packages meet grant/lender requirements, and we can complete any required vendor onboarding/approval for a given program.
Can PayKeeper provide Fund Control for prefab and manufactured ADUs?
Yes, PayKeeper can provide escrow-backed Fund Control for prefab and manufactured ADUs, coordinating milestone-based disbursements across the factory, installer/GC, and vendors. We support homeowner cash, lender draws, and public-program funds with inspection tie-ins, lien-waiver tracking, and direct-to-vendor payments. Major milestones typically include pre-order/engineering and permitting; site prep (foundation/piers, utilities, trenching) “ready-to-set”; factory start, mid-build verification, and factory completion/QC; and transport scheduling. Final stages cover delivery and set (crane/placement, tie-downs), utility hookups and required inspections, punch-list, and certificate of occupancy with audit-ready closeout.
What are the benefits to manufacturers of prefab ADUs of partnering with PayKeeper?
Partnering with PayKeeper gives prefab ADU manufacturers escrow-backed, milestone-based draws and direct-to-vendor disbursements, improving liquidity and eliminating pass-through risk.
Cash-flow management benefits: predictable payment cadence, faster releases on verified progress, fewer disputes via lien-waiver/inspection tie-ins, and audit-ready records for lenders and grant programs.
Common funding milestones include design/engineering deposit and permit approval; factory materials procurement & start; factory completion with QC sign-off; foundation & site prep complete; delivery/set; utility tie-ins/MEP finals; and certificate of occupancy/punch-list closeout.
Each draw is triggered only after documentary proof is uploaded (photos, delivery receipts, inspections, waivers), keeping cash moving and everyone aligned.