KfW funding check: the eight programmes matched to your project in five questions
As a KfW funding finder and funding calculator, the check shows which of the eight KfW programmes fit, from KfW Programme 124 with no conditions to KfW Programme 300 with a child in the household and an income limit. 5 questions on your project, use, children, income and previous ownership — afterwards you see which programmes are in principle an option and what matters for each one.
How does the KfW funding check show which programme fits my project?
It matches your project in five questions to the eight KfW programmes. Their requirements differ sharply: some need a child and an income cap (300, 308), some a specific energy class (308), others have no conditions (124). Apply before the contract is signed, through your own bank. The check does not replace the bank review.
A rough pre-assessment based on the five standard criteria — not an application review by the KfW or the relaying bank, and not a financing commitment. Actual eligibility depends on the full review, including the property's energy certificate and the exact taxable income.
Keep this result: how do you get the checklist with the right documents?
A calculator gives you a number. A financing decision needs the right paperwork ready before you talk to a bank. We'll send you the checklist that matches your situation — free, no sales call attached.
Need the blank forms right now? Get them via a quick form: self-disclosure form (DE/EN) · net-worth statement (DE/EN).
Open the file directly — no form: Germany property financing checklist (PDF, 9 pages) · Non-resident mortgage checklist (PDF, 9 pages) · KfW funding overview 2026 (PDF, 4 pages)
Your project in 5 questions, no commitment: which KfW programme is in reach?
Each answer narrows down the matching programmes. The funding check doesn't replace an application review — it shows which of the eight KfW programmes are generally in reach for your project based on the standard criteria.
The result is a rough pre-assessment — not an application review by the KfW or the bank passing on the application.
Two traps come up especially often: first, some programmes are mutually exclusive for the same unit (297/298 and 300, for example) — worth comparing which one pays off more in your case. Second, actual eligibility for 308 also depends on the property's energy certificate, which the check doesn't ask about.
When and where must the KfW application be submitted?
The application must be submitted before the purchase contract or before the project begins, through the financing bank and never directly at the KfW.
This rule applies to all eight programmes. That's exactly where we come in.
KfW funding for families: which programmes require a child in the household?
Programmes 300 and 308 require a child in the household and an income limit. Programme 124, by contrast, has no conditions at all. For 308, eligibility also depends on the property’s energy certificate. The funding check does not replace an application review by KfW or the bank passing on the loan.
Requirements of KfW funding for new builds: how do the programmes differ?
The requirements differ considerably; for example, programme 300 requires a child in the household and an income limit.
Programmes 297/298 and 300 are mutually exclusive for the same residential unit, so it is worth comparing which one brings more in the individual case. The application must be submitted via the financing bank before the purchase contract or before the start of the project.
Frequently asked questions
Is the result binding?
No. The funding check gives a rough read on your project based on five standard criteria. Binding eligibility is only confirmed once the application goes through your bank to the KfW — including points not asked here, such as the exact energy certificate of an existing property.
Why does it sometimes show two programmes at once?
Because several programmes can generally fit the same project — for example 124 as an unconditional alternative alongside 300 for families. Some combinations are mutually exclusive for the same unit though; that's flagged in the note below the result.
What if none of the eight programmes fit?
A conversation is still worthwhile — every German state runs its own funding programmes with their own criteria, not covered here, plus municipal programmes that are rarely on anyone's radar.
Does the income cap change with the number of children?
Yes. For 300 and 308, the figure shown applies to one child; it rises by €10,000 per additional child. The relevant figure is the average of the two tax assessments before the application year, not current gross salary.
Any questions on this topic?
A first consultation is free and without obligation — the commission is, as a rule, paid by the bank. We tell you what this means for your own financing.
Related pages
Your state's funding bank
Federal and state funding often stack — which institution is responsible in your state.
Financing traffic light
How realistic the bank financing is overall, alongside the funding.
Editorially responsible: Olga Nikushkina — owner, §34i GewO (German mortgage brokerage), adviser register D-W-132-ZUCB-95. Specialised in German property financing with an international dimension: non-residents, foreign-currency income, cross-border workers, expats. Siegfried Perini is entered in the German intermediary register under this licence as a person directly involved in brokerage and advice (§ 11a GewO), active in real estate since 1992. Not legal or tax advice.
