Find the Right KfW Program
Choose your KfW financing program to calculate subsidized interest rates, repayment grants, and total savings compared to market rates.
Renovation (KfW 261)
Subsidized loans for energy-efficient renovation of existing buildings with repayment grants up to 45%.
New Construction (KfW 297)
Low-interest financing for climate-friendly new residential buildings (EH 40/55).
Families (KfW 300)
Subsidized home financing for families with children — up to 4% below market rates.
Young Buys Old (KfW 308)
Subsidized purchase of existing homes for families, with renovation obligation.
Home Ownership (KfW 124)
General financing program for purchasing or building owner-occupied property.
Cooperative Housing (KfW 134)
Subsidized loans for acquiring cooperative housing shares with 15% repayment grant.
Why Our KfW Calculator?
Program Finder
Identify the best KfW program (261 for new builds, 262 for renovation) for your project
Blended Financing
Calculate the optimal split between subsidized KfW loan and regular bank financing
Interest Rate Advantage
See exactly how much you save with below-market KfW interest rates over the full loan term
Tilgungszuschuss
Include repayment grants of up to 25% that permanently reduce your loan balance
Key KfW & Subsidy Terms
Essential terminology for government-subsidized financing.
KfW-Förderung
Government-backed loans from KfW (Kreditanstalt für Wiederaufbau) offering…
KfW 261
Wohngebäude-Kredit for energy-efficient renovation of existing buildings,…
KfW 297
Klimafreundlicher Neubau program for new climate-friendly residential…
KfW 300
Wohneigentum für Familien — subsidized home financing for families with…
KfW 308
Jung kauft Alt — subsidized purchase of existing properties for families with…
KfW 124
Home Ownership Program providing up to €100,000 for purchasing or building…
KfW 134
Förderung genossenschaftlichen Wohnens — subsidized loans for acquiring…
Tilgungszuschuss
A repayment grant from KfW that reduces your loan balance – essentially free…
Energieeffizienz
Energy efficiency standards for KfW programs, measured in Effizienzhaus levels…
Energetische Sanierung
Energy renovation of existing buildings – improving insulation, windows,…
Mischfinanzierung
Blended financing combining a regular bank loan with KfW subsidized loans. The…
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