Mae gweinidogion eisoes wedi dweud gallai prisiau cynyddol olygu nad ydyn nhw’n creu’r holl gartrefi cymdeithasol carbon isel yr oedden nhw’n bwriadu yn nhymor hwn y Senedd.
Yn ôl yr amcangyfrif diweddaraf, bydd y cynllun yn costio tua £1.8bn.
Ond mae Archwilio Cymru yn amcangyfrif y bydd angen rhwng £580m a £740m yn ychwanegol.
Dywed eu hadroddiad fod y cynnydd wedi bod yn “araf ac yn ddrytach nag a ddisgwyliwyd”.
Mae hyd at 9,197 o gartrefi wedi’u darparu hyd yn hyn, gyda 10,000 yn fwy ar y gweill.
Mae hynny ychydig yn llai na’r targed, ond mae’r adroddiad yn amcangyfrif, heb yr arian ychwanegol, mai dim ond rhwng 15,860 a 16,670 o gartrefi fydd yn cael eu darparu.
Mae’n ychwanegu bod “tebygolrwydd uchel” na fydd rhai cynlluniau yn digwydd o gwbl, hyd yn oed gyda rhagor o arian.
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