Owner-Occupier Subsidy Roadmap 2026
Since the BEG reform of 21.07.2026, the subsidy amounts are fixed. This roadmap shows in four steps which of the seven programmes fits your project — with current figures, not estimates. Free by email, no sales pressure. The PDF itself is in German, matching the German subsidy programmes it covers. Project finance for this kind of scheme is judged on feasibility first, financing structure second.
Which subsidy programme fits my project as an owner-occupier?
It depends on the project, not on preference: buying an existing property -> Wohneigentumsprogramm 124 (up to €100,000, no conditions attached). Building or first purchase with children -> Wohneigentum für Familien (300), €170,000 to €270,000, income-dependent with a limit of €90,000 taxable household income for one child. Buying a run-down older building with children -> Jung kauft Alt (308), amount tiered by number of children, with a renovation obligation within 4.5 years. Replacing the heating system -> BEG EM 458, a grant of 30% base funding plus a speed bonus, capped at 70% (80% for low incomes). Full renovation to an efficiency-house standard -> KfW 261, the only one with a repayment bonus on the loan, requiring a renewable-energy class since 21.07.2026 and not combinable with 458 for the same project. Barrier reduction in an existing home -> Altersgerecht umbauen (159), up to €50,000, no care level and no age limit. For the share a grant does not cover -> top-up loan 358/359, up to €120,000 per residential unit. If none of the programmes fit, the §35c EStG tax bonus remains as an alternative: 20% of costs over three years, up to €40,000 per property, owner-occupiers only. The subsidy roadmap (free PDF) summarises all seven programmes with current amounts. Not subsidy or tax advice.
What's in the roadmap
- Buying an existing property. Wohneigentumsprogramm 124 — up to €100,000, no conditions attached, no repayment bonus.
- Building or first purchase with children. Wohneigentum für Familien (300) — €170,000 to €270,000, income-dependent; the limit is €90,000 taxable household income with one child.
- Buying a run-down older building. Jung kauft Alt (308) — amount tiered by number of children, new tier from 03.08.2026.
- Replacing the heating. BEG EM 458 — grant from base funding plus a climate-speed bonus, capped at 70% (80% for low incomes).
- Full renovation. KfW 261 — loan with repayment bonus, requiring a renewable-energy class since 21.07.2026.
- Barrier reduction in an existing home. Altersgerecht umbauen (159) — up to €50,000, neither a care level nor an age limit required.
- The remaining share. Top-up loan 358/359 — up to €120,000 per residential unit, on top of the approved grant.
- None of these fit? The §35c EStG tax bonus as an alternative — 20% of costs over three years.
Open the file directly — no form: Owner-occupier funding roadmap 2026 (PDF, 2 pages) · KfW funding overview 2026 (PDF, 2 pages)
How the roadmap leads to the right programme
Buying or renovating?
Buying an existing property or a run-down older building points to programme 124, 300 or 308. A renovation, heating or conversion measure on your own property points to 458, 261 or 159.
Children in the household?
With Jung kauft Alt (308) and Wohneigentum für Familien (300), the amount is tiered by number of children — without a child neither applies, and 300 adds an income limit of €90,000 (one child). For Wohneigentumsprogramm 124 neither matters.
Does the subsidy cover the remaining share?
With 458 and 261, an equity share almost always remains. That needs the 358/359 top-up loan (up to €120,000 per residential unit) or a bank loan — this is where our work as a broker begins.
None of the seven programmes fit?
Then the §35c EStG tax bonus remains as an alternative — a German-law provision for energy renovation costs on owner-occupied property, claimed via the annual tax return.