KfW Wohneigentum für Familien – Bestandserwerb "Jung kauft Alt" (308)
A near-zero-interest loan of up to €180,000 to buy and fix up an old German house for your…
Record checked Oct 21, 2026 · official source confirmed 14 Nov, 06:01 UTC
Summary
Federally interest-subsidised KfW loan of €140,000–180,000 (from 3 Aug 2026) for families with children buying an energy-inefficient (class F, G or H) existing home in Germany to live in and renovate.
Dream spread
A near-zero-interest loan of up to €180,000 to buy and fix up an old German house for your family.
Relocation reality check
It is a loan, not a grant, capped at the purchase price; the home must be renovated to Efficiency House 85 EE (or listed individual measures) within 54 months or the interest rate rises. Applies only to first-time owners with a child under 18 and taxable household income ≤ €90,000 (+€10,000 per extra child).
Your fit signals
The real program is below — the 0–100 scoring is a paid feature.
Full match score — Solo / Household
The 0–100 move-match score, quality score, and would-stay breakdown — with confidence and full reasoning — unlock on Solo and Household.
See Solo & Household plansCheck: Buy or own a qualifying property
The incentive is tied to buying (or already owning) a qualifying home — budget for the purchase before any payout.
Check: Income cap
Income CAP: taxable household income must stay within KfW limits (about €90,000 a year, higher with more children).
Check: Renovation
This program expects you to renovate a qualifying home.
Reality engine
Four lenses on whether this move fits you — tap a panel to see the logic behind each signal.
Eligibility
Households with at least one child under 18, no existing residential property, taxable income within limits, buying a class F/G/H building in Germany as their main residence.
Conditions
The program's rules on record, blockers first. Confirm each on the official source.
Buy or own a qualifying property
BlockerThe incentive is tied to buying (or already owning) a qualifying home — budget for the purchase before any payout.
Income cap
CautionIncome CAP: taxable household income must stay within KfW limits (about €90,000 a year, higher with more children).
Costs & money
The amounts & terms on record from the official source. USD figures are estimates.
- Incentive
- 140,000 EUR – 180,000 EURConditions apply — read the catch before counting on it.
- Income requirement
- 90,000 EURIncome CAP: taxable household income must stay within KfW limits (about €90,000 a year, higher with more children).
- Duration
- 54 months (about 5 years)
- Property purchase
- Required
True cost to move
Upfront cash, reimbursements, and net position after approval — not headline incentive amounts.
Reimbursement-only program — you fund costs before any grant payout.
Application roadmap
A practical sequence — adjust for your consulate and timeline.
1. Confirm official eligibility
Read the primary government source.
2. Gather income & employment proof
Bank statements, contracts, or tax records.
3. Book consulate / immigration appointment
Slots vary by country and season.
4. Prepare health coverage
Meet minimum coverage rules before arrival.
Meet people before you go
We are still curating 🇩🇪 Germany-specific communities. Meanwhile, these global boards answer relocation questions every day.
Communities being curated — start with r/expats meanwhile
- r/expats100k+ members
Life abroad, country comparisons, honest post-move retrospectives.
Source trail
Official links, the line we checked, and when we last checked it.
“maximaler Kreditbetrag 180.000 Euro ... innerhalb von 54 Monaten ab Zusage”
Primary official sourceLast checked Oct 21, 2026- Secondary referenceLast checked Oct 21, 2026
Rule changes
CasaSedora last checked the official source on 14 Nov 2026. Changes appear here once two independent automated checks agree on them, or a person confirms them.
No rule changes recorded since monitoring began.
Our summaries point you to what moved — always confirm details on the official source.