Family-gated subsidised loan for buying an existing energy-poor building and renovating it. Household-level; useful to cohousing groups converting an old house into individually owned units (weg-baugruppe). Co-op shares excluded (ownership ≥ 50 % required) — see kfw-134.
- Loan cap: 1 child €140,000, 2 children €160,000, 3+ €180,000.
- Income gate: ≤ €90,000 (1 child), €100,000 (2), €110,000 (3) +€10,000 per further child; 2026 applications use the 2024 + 2023 Steuerbescheide.
- Child gate: ≥ 1 child under 18.
- Building gate: Energieausweis class F, G or H; obligation to reach Effizienzhaus 85 EE or complete listed Einzelmaßnahmen within 4.5 years of Zusage.
- Term up to 35 yr, Zinsbindung up to 10 yr; rate market-linked (volatile).
- Gates: natural persons only (“Eine GbR kann keinen Antrag stellen”); self-use with ≥ 50 % Miteigentum; not if you already drew Baukindergeld (424) or kfw-300.
- Path: Hausbankprinzip via Finanzierungspartner, before Kaufvertrag.
- Kumulierung: explicitly combinable with kfw-261 for the renovation, and with bafa-beg-em / kfw-458 grants for single measures.
- Erwerbsnebenkosten: not eligible. Merkblatt (Stand 08/2026): “Förderfähige Kosten sind der Kaufpreis inklusive Grundstückskosten”, loan capped at the Kaufpreis; Sanierungskosten and Nebenkosten (Grunderwerbsteuer, Notar, Grundbuch) excluded — cover them via kfw-124 or equity.
Related
- kfw-300 — the new-build twin
- kfw-261, bafa-beg-em, kfw-458 — the renovation money it is designed to stack with
- weg-baugruppe — the form in which each family owns and applies
- kfw-134 — the co-op alternative without child/income gates