Hessen’s ownership line is the one western-German Richtlinie that names cohousing outright: “Gemeinschaftliche Wohnprojekte (bewohnergetragene Wohngruppen) sind unabhängig von der Rechtsform förderfähig” (Nr. 3 of the Richtlinie of 4 May 2023, amended 1 June 2026). The two-unit cap does not apply to group projects.
- Neubau: Förderdarlehen €160,000–200,000 per household by Bodenpreis (<€200/m² → €160k; ≥€500/m² → €200k), +€20,000 for EH 40; max 50% of Gesamtkosten, min €50,000.
- Bestandserwerb: up to 50% of costs, max €200,000, incl. modernisation.
- Interest 1.6% fixed for 20 years (eff. 1.71%), then market rate; Tilgung 3% after one year; 1% Bearbeitungsentgelt; Land-Bürgschaft possible.
- Gates: household net income ≤ § 5 HWoFG limit: €30,565 single / €51,405 two persons + €10,421 per person + €924 per child; ≥10% Eigenkapital; self-use for the Zinsbindung; no prior Wohneigentum; not if equity >50% of costs.
- Group path (Nr. 3): only member households under the income limit are funded; the amount is fixed per household by the ministry case by case; the project must be legally constituted, have completed planning and a secured plot or building. Open question (not a fact): whether the entity (eG/e.V./GmbH) or each household signs the loan contract is not stated in the Richtlinie.
- Apply at the Wohnungsbauförderstelle (Magistrat of a kreisfreie/Sonderstatus-Stadt or Kreisausschuss) or via the WIBank Kundenportal; WIBank decides.
- Kumulierung: other Bund/Land housing money is barred, but Hessengeld, KfW, BAFA, Denkmalpflege and Städtebauförderung are explicitly allowed (Nr. 7.3).
- No Hessen Genossenschaftsanteile line. Re-checked on 2026-09-10 against the WIBank programme pages and the Hessen-Darlehen and Mietwohnungsbau Richtlinien: Hessen funds cooperatives only as owners under hessen-mietwohnraumfoerderung, and folds resident-run groups into this ownership line regardless of Rechtsform. Members buying Geschäftsanteile use kfw-134 or wohn-riester.
Related
- hessen-hessengeld — stackable Grunderwerbsteuer grant for the same households
- hessen-mietwohnraumfoerderung — the rental line when the group entity keeps ownership
- kfw-124 — federal ownership loan explicitly combinable
- gbr-baugemeinschaft — typical “rechtlich konstituiert” form of a Baugruppe
- saxony-frl-familienwohnen — comparable group-friendly ownership line in Saxony