\r\n\tWith the “Home Ownership for Families” program (KfW 300), KfW supports climate-friendly new construction with low-interest loans of up to 270,000 euros.\r\n<\/p>\r\n
\r\n\tThe program “Home Ownership for Families \u2013 Acquisition of Existing Property” (KfW 308, known as “Jung kauft Alt” \/ “Young Buys Old”) is for purchasing existing buildings in need of renovation with currently up to 150,000 euros \u2013 and up to 180,000 euros starting August 3, 2026. \r\n<\/p>\r\n\r\n \r\n\t\tBoth programs are aimed at families and single parents with at least one minor child and a maximum taxable household income of 90,000 euros (plus 10,000 euros for each additional child). \r\n\t<\/p>\r\n\t \r\n\t\tDepending on the term, the interest rate advantage compared to standard market construction financing is around 2 to 3 percentage points and can amount to several tens of thousands of euros over the fixed-interest period. The application must be submitted through a primary bank or a financing broker before the start of the project or before concluding the purchase contract.\r\n\t<\/p>\r\n<\/section>\r\n\r\n \r\n\t\tThe KfW program 300 \u2013 often abbreviated as “KfW WEF 300” \u2013 is the successor to the “Baukindergeld” (child allowance for house buyers), which expired at the end of 2022. Unlike the Baukindergeld, the KfW 300 funding is not a grant, but a low-interest promotional loan from the state development bank KfW. \r\n\t<\/p>\r\n\t \r\n\t\tThe interest rate reduction is financed from federal funds during the first fixed-interest period; the responsible body is the Federal Ministry for Housing, Urban Development and Building<\/a>.\r\n\t<\/p>\r\n\t \r\n\t\tFunding is provided for the construction and initial acquisition of an owner-occupied, climate-friendly residential building in Germany \u2013 i.e., detached houses, semi-detached houses, terraced houses, and condominiums. In the case of an initial acquisition, the building inspection must not have taken place more than twelve months prior to the conclusion of the purchase contract. \r\n\t<\/p>\r\n\t \r\n\t\tThe purchase of an existing property does not fall under KfW program 300; instead, the sister program KfW 308 has been responsible for this since September 2024, which is covered in detail further below.\r\n\t<\/p>\r\n\t \r\n\t\tImportant for clarification: A repayment subsidy is not intended for the KfW loan 300. The entire funding effect is generated through the low interest rate. Anyone looking for a “KfW 300 repayment subsidy” usually confuses the program with the renovation programs of the Federal Funding for Efficient Buildings (BEG), such as loan 261.\r\n\t<\/p>\r\n<\/section>\r\n\r\n \r\n\t\tThe requirements for the KfW loan 300 concern three areas: the household, the income, and the property.\r\n\t<\/p>\r\n\t \r\n\t\tThe income limit for KfW 300 is 90,000 euros of taxable household income with one child. For each additional minor child in the household, the limit increases by 10,000 euros. \r\n\t<\/p>\r\n\t \r\n\t\tThe decisive factor is the average of the penultimate and the year before the penultimate calendar year prior to application \u2013 for an application in 2026, this means the average of the 2023 and 2024 income tax assessments. \r\n\t<\/p>\r\n\t \r\n\t\tThe crucial element is the taxable income according to \u00a7 2 EStG<\/a>, not the gross income. Due to income-related expenses, special expenses, child allowances, and pension expenses, the taxable income is often significantly lower than the gross income \u2013 meaning many families with a gross income of 110,000 to 120,000 euros still meet the requirements.\r\n\t<\/p>\r\n\tKfW 300 & 308 – for families with at least one child<\/h2>\r\n\t
What is the KfW 300 funding “Home Ownership for Families”?<\/h2>\r\n\t
KfW 300: Overview of Requirements<\/h2>\r\n\t
Household requirements<\/h3>\r\n\t
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KfW 300: Income Limit<\/h3>\r\n\t