KfW Homeownership Assistance for Families
Low-interest KfW loan for the purchase or construction of owner-occupied, climate-friendly housing for families with children (KfW 300).
How to proceed
- 1
Check eligibility
Check the income limits and the building's minimum efficiency standard.
- 2
Submit the application through your primary bank
Apply before the purchase agreement is finalized or construction begins.
Required documents
- Proof of incomeMandatory
- Children's birth certificatesMandatory
Responsible authority
The authority of your main place of residence is responsible.Find authority →
Fees
Varies by case
Processing time
approx. 2 weeks
Official: max. approx. 2 weeks
Online application
Online possible – at the responsible authority
Common mistakes
- • Purchase agreement signed before the application was filed (ground for exclusion)
- • Overlooking income limits
Common reasons for rejection
- • Income limit exceeded
- • Not a climate-friendly new building (KFN)
The essentials before applying
Who is eligible?
Families and single parents with at least one child under the age of 18 and a household income below the income threshold.
Income limit
€60,000 plus €10,000 for each additional child in annual household income
Processing time
Nationwide: approx. approx. 2 weeks
Success rate
approx. 80.0 % (estimate)
Most common mistakes
- •Purchase agreement signed before the application was filed (ground for exclusion)
- •Overlooking income limits
Common reasons for rejection
- •Income limit exceeded
- •Not a climate-friendly new building (KFN)
Alternatives
- Check related services in the application assistant
- Use social counselling before applying
If rejected
Read the decision carefully: often submitting missing documents or reapplying helps more than an objection.
Related services
Questions & Answers
How much credit can I get?▼
Up to €270,000, depending on the number of children and the energy efficiency standard.