Wer ist beim Programm Wohneigentum für Familien (WEF 300) antragsberechtigt?

Antragsberechtigt sind Haushalte mit mindestens einem minderjährigen Kind, die selbstgenutztes Wohneigentum neu bauen oder erstmals erwerben und die Einkommensgrenze einhalten. Zusätzlich darf kein weiteres Wohneigentum vorhanden sein (Quelle: kfw.de, Programm 300, Stand 2026).

Wie hoch ist die Einkommensgrenze bei WEF 300?

Die Grenze für das zu versteuernde Haushaltseinkommen liegt bei 90.000 € bei einem Kind und steigt um 10.000 € je weiterem Kind (Quelle: kfw.de, Programm 300, Stand 2026). Maßgeblich ist der Durchschnitt des zu versteuernden Einkommens der beiden letzten verfügbaren Jahre.

Wie hoch ist der Kredit bei WEF 300?

Der Kredithöchstbetrag staffelt sich nach Kinderzahl und danach, ob das Gebäude ein QNG-Siegel erhält. Je nach Konstellation sind bis zu 270.000 € zinsgünstiges Förderdarlehen möglich (Richtwert, Quelle: kfw.de, Programm 300, Stand 2026). Die genaue Staffelung finden Sie in der Tabelle auf dieser Seite.

Muss das Haus selbst bewohnt werden?

Ja. WEF 300 fördert ausschließlich selbstgenutztes Wohneigentum. Eine Vermietung oder Nutzung als Zweitwohnsitz ist ausgeschlossen; außerdem darf zum Zeitpunkt des Antrags kein weiteres Wohneigentum vorhanden sein (Quelle: kfw.de, Programm 300, Stand 2026).

Welchen energetischen Standard muss das Haus erfüllen?

Gefördert werden nur Effizienzhäuser der Stufe 40. Für den höheren Kredithöchstbetrag ist zusätzlich das QNG-Siegel erforderlich (Quelle: kfw.de, Programm 300, Stand 2026). Damit entspricht der energetische Anspruch dem der KFN-Programme.

Lässt sich WEF 300 mit KFN 297/298 kombinieren?

Nein, für dasselbe Neubauvorhaben schließen sich WEF 300 und KFN 297/298 aus — Sie wählen das Programm, dessen Voraussetzungen Sie erfüllen. WEF ist zinslich günstiger, setzt aber mindestens ein Kind im Haushalt und die Einkommensgrenze voraus (Quelle: kfw.de, Programme 297/298/300, Stand 2026). Kombinierbar bleibt WEF mit Landesprogrammen und dem ergänzenden Bankdarlehen.

KfW Program 300

Home Ownership for Families (WEF 300) in Detail

For families with children: particularly low-interest subsidy loan, depending on constellation up to 270.000 € (guideline value). Income limits and maximum loan amounts according to number of children in detail.

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What does WEF 300 fund — and who gets it?

Home Ownership for Families is a particularly low-interest KfW loan for households with at least one minor child who newly build or first-time acquire owner-occupied primary residential property as Efficiency House 40. The income limit starts at 90.000 € taxable household income with one child and increases by 10.000 € per additional child. The maximum loan amount is graduated by number of children and QNG status and reaches up to 270.000 € (guideline value, source: kfw.de, program 300, Stand 2026).

Income Limits by Number of Children

The decisive factor is the taxable household income (average of the last two available years). Base is 90.000 € for one child, plus 10.000 € per additional child.

Children in Household	Income Limit (Taxable)
1 Child	90.000 €
2 Children	100.000 €
3 Children	110.000 €
4 Children	120.000 €
per additional child	+10.000 €

Source: kfw.de, Program 300, Stand 2026.

Maximum Loan Amounts by Number of Children and Level

The frame increases with the number of children and again with achieved QNG seal. The following values are guideline ranges; the current KfW specification is binding.

Number of Children	EH 40 without QNG	EH 40 with QNG
1–2 Children	up to 170.000 € (guideline value)	up to 220.000 € (guideline value)
3–4 Children	up to 200.000 € (guideline value)	up to 250.000 € (guideline value)
5+ Children	up to 220.000 € (guideline value)	up to 270.000 € (guideline value)

Guideline values, source: kfw.de, Program 300, Stand 2026. The highest level reaches up to 270.000 € depending on the constellation. Binding conditions: KfW — Home Ownership for Families.

Requirements at a Glance

WEF 300 links to several conditions simultaneously: (1) at least one minor child in the household, (2) compliance with the income-dependent limit, (3) owner-occupied home ownership — no letting, no second residence, (4) no further home ownership at time of application, (5) at least Efficiency House-40 standard, for the higher frame additionally the QNG seal (source: kfw.de, program 300, Stand 2026).

The application is made — as with all KfW new build programs — prior to start of the project through a financing partner. How WEF can be combined with the climate-friendly new build is shown on the page KFN 297/298. Whether the higher QNG level pays off for your family is outlined on the page Is KfW 40 Worth It? .

Frequently Asked Questions on WEF 300

Answers on income limits, maximum loan amounts and requirements for the Home Ownership for Families program — with source and Stand 2026.

Who is eligible to apply for the Home Ownership for Families (WEF 300) program?

Households with at least one minor child who build or first acquire owner-occupied home ownership and comply with the income limit are eligible to apply. Additionally no further home ownership may exist (source: kfw.de, program 300, Stand 2026).

What is the income limit for WEF 300?

The limit for the taxable household income is at 90.000 € for one child and rises by 10.000 € per additional child (source: kfw.de, program 300, Stand 2026). Decisive is the average of the taxable income of the last two available years.

What is the loan for WEF 300?

The maximum loan amount is graduated according to number of children and then whether the building receives a QNG seal. Depending on the constellation up to 270.000 € low-interest subsidy loan is possible (guideline value, source: kfw.de, program 300, Stand 2026). The exact graduation can be found in the table on this page.

Must the house be occupied by the owner?

Yes. WEF 300 funds exclusively owner-occupied home ownership. A rental or use as second home is excluded; moreover no further home ownership may be present at the time of application (source: kfw.de, program 300, Stand 2026).

What energy efficiency standard must the house fulfill?

Only Efficiency Houses of level 40 are subsidized. For the higher maximum loan amount the QNG seal is additionally required (source: kfw.de, program 300, Stand 2026). Thus the energy requirement corresponds to that of the KFN programs.

Can WEF 300 be combined with KFN 297/298?

No, for the same new construction project WEF 300 and KFN 297/298 are mutually exclusive — you select the program whose requirements you fulfill. WEF is more advantageous in interest rates but requires at least one child in the household and the income limit (source: kfw.de, programs 297/298/300, Stand 2026). Combinable remains WEF with state programs and the supplementary bank loan.

Home Ownership for Families (WEF 300) in Detail

What does WEF 300 fund — and who gets it?

Income Limits by Number of Children

Maximum Loan Amounts by Number of Children and Level

Requirements at a Glance

Frequently Asked Questions on WEF 300

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