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KfW-40 House 2026: Subsidy, Requirements, Providers

For a KfW-40 new build, between 100.000 € and 270.000 € as low-interest subsidy loan is possible in 2026 depending on the constellation: up to 100.000 € per residential unit via the program “Climate-Friendly New Build” (KFN 297/298), for families with children and within the income limit up to 270.000 € via “Home Ownership for Families” (WEF 300).

Conditions dependent on residential units, QNG and program (Stand 2026, kfw.de).

Start Free Subsidy CheckSubsidy Programs at a Glance

kfw40fertighaus.de is an independent information portal. “KfW” is used exclusively descriptively; there is no connection to the KfW Bankengruppe.

Subsidy-Eligible Example Houses

Three new builds from our database with documented efficiency standard according to manufacturer. The manufacturer information is a strong indication but does not replace the binding subsidy check in the individual case.

All 462 subsidy-eligible houses
Einfamilienhaus FamilienGlück 142 von massa haus mit Satteldach und offenem GrundrissEfficiency standard according to manufacturer: Efficiency House 40 EE

FamilienGlück 142

massa haus

142 m² · 5 roomsfrom 289.900 €
Einfamilienhaus Linea 146 von Heinz von Heiden als Massivhaus mit WalmdachEfficiency standard according to manufacturer: Efficiency House 40

Linea 146

Heinz von Heiden Solid Brick Houses

146 m² · 5 roomsfrom 335.000 €
Einfamilienhaus Vio Classic 134 von FingerHaus als Holz-Fertighaus mit SatteldachEfficiency standard according to manufacturer: Efficiency House 40 EE

Vio Classic 134

FingerHaus

134 m² · 5 roomsfrom 372.000 €
From Consulting Practice

The 3 Biggest Subsidy Errors

These three errors regularly cost builder-owners the complete subsidy entitlement – they can be avoided with the correct sequence.

01

Construction start before subsidy commitment

The application must be available via the bank before the start of the project. Anyone who signs the construction contract beforehand loses the entitlement (Stand 2026, kfw.de).

02

No energy efficiency expert involved

Without a specialist listed in the expert list there is no confirmation for the application – and without this no subsidy (Stand 2026, kfw.de).

03

WEF income limit calculated incorrectly

The decisive factor is the average of the two previous calendar years, not the current gross income – a common calculation error (Stand 2026, kfw.de).

All subsidy errors and how to avoid them

Everything about the KfW-40 subsidy in one place

From the programs via the technical requirements to the application process – and the houses and providers that fulfill the standard.

Subsidy Programs

KFN 297/298 and WEF 300 with loan amounts and conditions (Stand 2026, kfw.de).

EH-40 Requirements

Primary energy, thermal envelope, QNG and verifications explained understandably.

Process & Application

Step by step from the energy consultant to the bank's subsidy approval.

Is KfW 40 Worth It?

Additional costs versus interest benefit – when the standard pays off.

462 subsidy-eligible houses

New builds with efficiency standard according to manufacturer, filterable by type and price.

Providers

Manufacturers with at least one house in the EH-40 standard according to manufacturer.

Short inquiry: Which providers build subsidy-eligible in your region?

Enter postcode and receive non-binding suitable providers with houses in the efficiency standard according to manufacturer – in under 60 seconds.

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Frequently asked questions on the KfW-40 subsidy

The most important answers to programs, requirements and application – every condition with source and stand.

What does the “Efficiency House 40” standard mean in new construction?
An Efficiency House 40 requires mathematically only about 40 percent of the primary energy of a statutory reference building; the transmission heat loss of the building envelope is also significantly below the reference value. Only this standard is eligible for subsidy in the KfW new build program “Climate-Friendly New Build” (KFN) – older levels such as EH 55 or EH 40 Plus are no longer subsidized in new builds. Whether a specific house achieves the standard is verified by the energy demand calculation of an approved energy efficiency expert (Stand 2026, kfw.de).
How high is the KfW subsidy loan for a KfW-40 house 2026?
In the program “Climate-Friendly New Build – Residential Buildings” (KFN 297/298) up to 100.000 € per residential unit as interest-reduced loan is possible without QNG, with the quality seal Sustainable Building (QNG) up to 150.000 €. Families with children and defined income limits alternatively receive up to 270.000 € loan in the program “Home Ownership for Families” (WEF 300) depending on number of children and standard. The exact sum depends on residential units, QNG and program (Stand 2026, kfw.de).
Does KfW 40 Plus still exist?
No. The former “KfW Efficiency House 40 Plus” with battery storage requirement has expired and is no longer offered as a separate subsidy level in new builds. Today the programs “Climate-Friendly New Build” (KFN 297/298) and “Home Ownership for Families” (WEF 300) are decisive; both require at least the Efficiency House 40 standard, the higher subsidy classes additionally the quality seal Sustainable Building (QNG). Houses that manufacturers continue to designate as “40 Plus” describe a technical equipment, not an active subsidy level (Stand 2026, kfw.de).
Must the subsidy application be submitted before construction begins?
Yes. The application runs via your bank (financing partner) and must be in place before the start of the project. Start of the project is considered the conclusion of a supply or service contract; planning services and the building plot purchase do not count. Anyone who has already signed a construction contract or begun building loses the subsidy entitlement – a common and costly error (Stand 2026, kfw.de).
Do I necessarily need an energy efficiency specialist?
Yes. For the KfW new construction subsidy the involvement of an energy efficiency expert or expert listed in the expert list for federal subsidy programs is mandatory. This specialist plans the efficiency standard, confirms the application eligibility (confirmation for the application) and verifies the implementation after completion. The costs of construction supervision are partially eligible for separate subsidy (Stand 2026, kfw.de).
What is the QNG and when do I need it?
The Quality Seal Sustainable Building (QNG) evaluates sustainability over the entire life cycle - such as greenhouse gas emissions, materials and indoor hygiene. The seal is a prerequisite for the higher subsidy class “Climate-friendly residential building with QNG”; without QNG the basic subsidy class “Climate-friendly residential building” applies. The QNG is awarded by an accredited certification body and must be planned in at an early stage (Stand 2026, qng.info / kfw.de).
From what income does the WEF-300 subsidy no longer apply?
The program “Home ownership for families” (WEF 300) is aimed at households with at least one minor child. The taxable household income must not exceed a limit; it increases with each additional child. The average of the two calendar years before last prior to application is decisive - not the current gross income. This calculation basis is often applied incorrectly. The respective valid limits are given in the information sheet for the program (Stand 2026, kfw.de).
Are the houses listed here guaranteed to be eligible for subsidy?
We label each house with the efficiency standard according to the manufacturer. Whether a specific construction project is actually subsidized depends on the individual execution, the verification by an energy efficiency expert, the selected program and the applicable conditions. The manufacturer information is a strong indication but does not replace the binding subsidy check in the individual case (Stand 2026, kfw.de).