Federal loan for barrier reduction and burglary protection in existing housing, open to the group entity (“Wohnungsgenossenschaften”, Bauträger, housing companies, WEG, public bodies) as well as private owners and tenants, independent of age. The natural fit for multigenerational / senior cohousing retrofits.
- Up to €50,000 per Wohneinheit.
- Term up to 30 yr, Zinsbindung 5 or 10 yr, 1–5 Tilgungsfreijahre, or endfällig; rate set at Zusage (volatile). No Tilgungszuschuss (the grant variant 455-B has been closed for years; open question (not a fact): whether a 2026 Zuschuss variant is planned).
- Eligible: paths to the building, entrance, stairs/steps, room layout, bathrooms, assistance systems / smart home, Gemeinschaftsräume (common rooms — explicitly listed), RC2 doors/windows, alarms; also purchase of a home adapted within the previous 12 months.
- Gates: none on income, children or owner-occupancy.
- Path: Hausbankprinzip via Finanzierungspartner, application before works.
- Kumulierung: “mehrere KfW-Programme kombinieren” — KfW cites stacking with kfw-261; state accessibility grants (e.g. in the Länder Wohnraumförderung) may sit alongside up to eligible cost.
Related
- kfw-261 — energy loan it is usually paired with
- eg-cooperative, ev-association, weg-baugruppe — eligible entities
- soziale-wohnraumfoerderung — state lines with barrier-free bonuses