Abstract
Foundation models have revolutionized AI, but adapting them efficiently for multimodal tasks, particularly in dual-stream architectures composed of unimodal encoders, such as DINO and BERT, remains a significant challenge. Parameter-Efficient Fine-Tuning (PEFT) methods like Low-Rank Adaptation (LoRA) enable lightweight adaptation, yet they operate in isolation within each modality, limiting their ability in capturing cross-modal interactions. In this paper, we take a step in bridging this gap with Cross-Modal Low-Rank Adaptation (CoLA), a novel PEFT framework that extends LoRA by introducing a dedicated intermodal adaptation pathway alongside the standard intra-modal one. This dual-path design enables CoLA to adapt unimodal foundation models to multimodal tasks effectively, without interference between modality-specific and cross-modal learning. We evaluate CoLA across a range of vision-language (RefCOCO, RefCOCO+, Re-fCOCOg) and audiovisual (AVE, AVS) benchmarks , where it consistently outperforms LORA, achieving a relative gain of around 3% and 2%, respectively, while maintaining parameter efficiency. Notably, CoLA enables the first multi-task PEFT framework for visual grounding, bridging a key gap in efficient multimodal adaptation.