Every federal state provides subsidies via its state funding bank supplementary to KfW — with loans or grants. Here you will find the funding bank and typical approach per state as well as five programs in detail.
Find suitable subsidyIn addition to the nationwide KfW subsidy nearly every federal state maintains its own programs for the new build of owner-occupied home ownership — in part as low-interest loan, in part as grant, often with income limits and family components. Many can be combined with KFN (297/298) and WEF (300). Scope and conditions differ significantly from state to state; the respective state funding bank is always binding (Source: state funding banks, Stand 2026).
The table indicates for each state the responsible funding bank, the typical subsidy approach for new builds and the link to the funding bank. Please refer to the respective bank for specific conditions.
| Federal state | Funding bank | Typical new build approach | Funding bank link |
|---|---|---|---|
| Baden-Württemberg | L-Bank | Housing/family subsidy, supplement to KfW (see funding bank, Stand 2026) | L-Bank |
| Bayern | BayernLabo | Bavarian housing construction program, family building subsidy (see funding bank, Stand 2026) | BayernLabo |
| Berlin | IBB (Investitionsbank Berlin) | Housing and new build programs (see funding bank, Stand 2026) | IBB (Investitionsbank Berlin) |
| Brandenburg | ILB (Investitionsbank des Landes Brandenburg) | Home ownership and new build subsidy (see funding bank, Stand 2026) | ILB (Investitionsbank des Landes Brandenburg) |
| Bremen | BAB (Bremer Aufbau-Bank) | Housing subsidy (see funding bank, Stand 2026) | BAB (Bremer Aufbau-Bank) |
| Hamburg | IFB Hamburg | New build and family subsidy (see funding bank, Stand 2026) | IFB Hamburg |
| Hessen | WIBank | Hesse loan for home ownership, family supplement (see funding bank, Stand 2026) | WIBank |
| Mecklenburg-Vorpommern | LFI / State Funding Institute M-V | Housing subsidy (see funding bank, Stand 2026) | LFI / State Funding Institute M-V |
| Niedersachsen | NBank | Housing subsidy, family bonus (see funding bank, Stand 2026) | NBank |
| Nordrhein-Westfalen | NRW.Bank | NRW.Bank home ownership, family bonus (see funding bank, Stand 2026) | NRW.Bank |
| Rheinland-Pfalz | ISB (Investitions- und Strukturbank RLP) | Housing/family subsidy (see funding bank, Stand 2026) | ISB (Investitions- und Strukturbank RLP) |
| Saarland | SIKB (Saarländische Investitionskreditbank) | Housing subsidy (see funding bank, Stand 2026) | SIKB (Saarländische Investitionskreditbank) |
| Sachsen | SAB (Sächsische Aufbaubank) | Family living, home ownership subsidy (see funding bank, Stand 2026) | SAB (Sächsische Aufbaubank) |
| Sachsen-Anhalt | IB Sachsen-Anhalt | Housing subsidy (see funding bank, Stand 2026) | IB Sachsen-Anhalt |
| Schleswig-Holstein | IB.SH (Investitionsbank Schleswig-Holstein) | Housing and ownership subsidy (see funding bank, Stand 2026) | IB.SH (Investitionsbank Schleswig-Holstein) |
| Thüringen | TAB (Thüringer Aufbaubank) | Home ownership and family subsidy (see funding bank, Stand 2026) | TAB (Thüringer Aufbaubank) |
Source: state funding banks, Stand 2026. Program names and conditions can change — the respective state funding bank is decisive.
NRW.Bank (North Rhine-Westphalia)
Low-interest loan for the construction or initial acquisition of owner-occupied home ownership, with additional amounts for families with children. For conditions and income limits see funding bank, Stand 2026.
BayernLabo (Bavaria)
State loans and family components for the subsidy of owner-occupied living space. Amount and prerequisites see funding bank, Stand 2026.
WIBank (Hesse)
Low-interest state loan for construction or acquisition of owner-occupied home ownership, often with family surcharges. Conditions see funding bank, Stand 2026.
SAB (Saxony)
Subsidy for owner-occupied home ownership with focus on families. Design as loan or grant see funding bank, Stand 2026.
NBank (Lower Saxony)
State program for owner-occupied home ownership with supplementary family benefits. Amount and income limits see funding bank, Stand 2026.
The state subsidy supplements the nationwide programs. The overview of KFN, WEF and QNG is provided on the page Subsidy programs. Suitable subsidy-eligible building providers can be found on the page Providers.
Answers regarding combinability, application and design of the state programs — with source and Stand 2026.
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