KfW funding in 2026: BEG caps from 9 Jul and what still qualifies in Q4, plus what didn’t change for KfW‑300

What changed on 9/21 July 2026: the new BEG framework

On 9 July 2026 KfW published the details of the revised Federal Funding for Efficient Buildings (BEG). The new conditions started on 21 July 2026 after a short transition period. During 9–20 July, applications could still be submitted under the old rules if a valid “Bestätigung zum Antrag” already existed. KfW confirms the switch‑over dates in its 8 July press release. ([kfw.de](https://www.kfw.de/%C3%9Cber-die-KfW/Newsroom/Aktuelles/Pressemitteilungen-Details_900928.html))

Heating grants for residential buildings (KfW product family 458/459/422/522) keep a 30% base grant but now use a three‑tier income bonus for owner‑occupiers: 40% if household taxable income is up to €30,000, 30% up to €40,000, and 10% up to €50,000. A one‑time family allowance reduces the relevant income by €10,000 where at least one minor child lives in the household. The “Klimageschwindigkeitsbonus” continues at 16%. The maximum eligible cost cap is €28,000 for the first dwelling unit, €15,000 each for the 2nd–6th units, and €8,000 for each further unit. From 1 February 2027 the first‑unit cap degresses by €750 every six months; the speed bonus also degresses by 4 percentage points every six months. The previous EE‑class bonus and the emissions‑reduction add‑on were removed. ([kfw.de](https://www.kfw.de/%C3%9Cber-die-KfW/Newsroom/Aktuelles/Pressemitteilungen-Details_900928.html))

For whole‑building renovation loans (systemic renovation to an Effizienzhaus level), KfW set a uniform loan cap of €150,000 per dwelling unit and reduced all repayment‑grant (Tilgungszuschuss) rates by 10 percentage points. KfW also extended the Serial Renovation bonus to 5% for EH70‑EE and will open applications for the new/extended serial renovation options at the end of September 2026. ([kfw.de](https://www.kfw.de/%C3%9Cber-die-KfW/Newsroom/Aktuelles/Pressemitteilungen-Details_900928.html))

KfW’s press release lists the affected product pages (BEG heating grants and the Effizienzhaus loan lines 261/263/264/464). WEF programmes (e.g., KfW‑300) were not part of this BEG adjustment package. ([kfw.de](https://www.kfw.de/%C3%9Cber-die-KfW/Newsroom/Aktuelles/Pressemitteilungen-Details_900928.html))

What still qualifies in Q4 2026 under BEG

Owner‑occupied heating replacements that meet BEG technology and installation rules can combine the 30% base grant with the new income bonus and, if applicable, the 16% speed bonus, subject to the €28,000/€15,000/€8,000 eligible‑cost caps. Because of the scheduled degression from 1 February 2027, projects contracted and applied for in Q4 2026 keep the higher caps and bonus levels shown above. Funding always depends on the federal budget; there is no legal entitlement. ([kfw.de](https://www.kfw.de/%C3%9Cber-die-KfW/Newsroom/Aktuelles/Pressemitteilungen-Details_900928.html))

Whole‑building renovations financed via KfW’s Effizienzhaus loans in Q4 2026 use the new uniform €150,000‑per‑unit cap, the reduced repayment‑grant rates, and—if applicable—the 5% Serial Renovation bonus (now extended to EH70‑EE). KfW indicated application launch for the expanded serial options at the end of September 2026, so these are available for Q4 planning. ([kfw.de](https://www.kfw.de/%C3%9Cber-die-KfW/Newsroom/Aktuelles/Pressemitteilungen-Details_900928.html))

Tip for non‑residents and expats: the BEG heating grants are grants (not loans) processed by KfW in 2026 for private owners. Effizienzhaus funding is a KfW loan via your German lender. The usual sequence still applies: get the energy expert’s “Bestätigung zum Antrag” before binding orders, then apply through your bank (loans) or KfW portal (grants) and start only after you hold the KfW confirmation. Check the precise product page before committing—KfW lists the current documents and steps. ([kfw.de](https://www.kfw.de/%C3%9Cber-die-KfW/Newsroom/Aktuelles/Pressemitteilungen-Details_900928.html))

KfW‑300 “Wohneigentum für Familien” in Q4 2026: rules and what did not change in July

KfW‑300 supports the construction or first purchase of a newly built, climate‑friendly owner‑occupied home by families with at least one minor child and middle or lower incomes. The income limit is €90,000 taxable household income for one child, plus €10,000 per additional child. KfW calculates the income as the average of the second and third calendar years before the application date; the documentation requirements are set out in the official product leaflet. Foreign tax certificates are accepted if accompanied by a certified translation. ([kfw.de](https://www.kfw.de/PDF/Download-Center/F%C3%B6rderprogramme-%28Inlandsf%C3%B6rderung%29/PDF-Dokumente/6000005060_M_300_WEF.pdf))

Maximum loan amounts depend on children and building standard: for “Klimafreundliches Wohngebäude” the caps are €170,000 (1–2 children), €200,000 (3–4), €220,000 (5+). For “Klimafreundliches Wohngebäude – mit QNG” they are €220,000, €250,000 and €270,000 respectively. There is no top‑up beyond the amount applied for. These figures are unchanged in Q4 2026. ([kfw.de](https://www.kfw.de/PDF/Download-Center/F%C3%B6rderprogramme-%28Inlandsf%C3%B6rderung%29/PDF-Dokumente/6000005060_M_300_WEF.pdf))

Important: KfW’s 8 July BEG reform announcement did not alter KfW‑300. That press release concerns BEG heating grants and energy‑efficiency renovation loans; it lists the affected BEG product numbers and does not include 300. If you saw headlines about income bonuses changing “from 9 July”, those refer to the BEG heating‑grant income bonus tiers, not to KfW‑300. ([kfw.de](https://www.kfw.de/%C3%9Cber-die-KfW/Newsroom/Aktuelles/Pressemitteilungen-Details_900928.html))

KfW‑300 can be combined with the standard KfW home‑ownership loan (No. 124) to cover further costs, provided total public support does not exceed eligible costs. The KfW product page and leaflet include the technical minimum requirements and the need to involve an energy‑efficiency expert for the application and the “Bestätigung zum Antrag”. ([kfw.de](https://www.kfw.de/inlandsfoerderung/Privatpersonen/Neubau/F%C3%B6rderprodukte/Wohneigentum-f%C3%BCr-Familien-%28300%29/))

Related: KfW‑308 “Jung kauft Alt” was improved on 3 August 2026

Families purchasing a poor‑efficiency existing home (energy class F–H) to renovate for own use have a separate track: KfW‑308 “Wohneigentum für Familien – Bestandserwerb / Jung kauft Alt”. From 3 August 2026 KfW raised loan caps to €140,000 (1 child), €160,000 (2 children) and €180,000 (3+ children), with eligibility at €90,000 taxable income for one child plus €10,000 per additional child. Applicants must commit to complete the renovation within 54 months of KfW approval; serial single‑measure pathways are now permitted in addition to systemic renovation to EH85‑EE or EH‑Denkmal‑EE. KfW’s press release has the details. ([kfw.de](https://www.kfw.de/%C3%9Cber-die-KfW/Newsroom/Aktuelles/Pressemitteilungen-Details_903168.html))

This is not KfW‑300. For newbuild, use KfW‑300; for buying and renovating a poor‑band existing home, consider KfW‑308 plus BEG grants/loans for the renovation works. Combining lines is common, but ensure the sum of public support never exceeds eligible costs and that you sequence applications correctly. ([kfw.de](https://www.kfw.de/%C3%9Cber-die-KfW/Newsroom/Aktuelles/Pressemitteilungen-Details_903168.html))

Practical checks for Q4 2026 applications

- Confirm which line fits: KfW‑300 (newbuild/first purchase), KfW‑308 (buy‑to‑renovate), BEG heating grants (458 etc.), or Effizienzhaus loans (261/263/264). KfW’s July 2026 note links all current pages. ([kfw.de](https://www.kfw.de/%C3%9Cber-die-KfW/Newsroom/Aktuelles/Pressemitteilungen-Details_900928.html)) - Watch the BEG degression dates now hard‑coded from 1 February 2027. If your budget relies on the higher caps/bonuses, file in Q4 2026 and ensure your “Bestätigung zum Antrag” is in place before signing works. ([kfw.de](https://www.kfw.de/%C3%9Cber-die-KfW/Newsroom/Aktuelles/Pressemitteilungen-Details_900928.html)) - For KfW‑300, verify income using the average of the second and third year before application; gather tax assessments and certified translations where applicable. Product leaflet details the rules. ([kfw.de](https://www.kfw.de/PDF/Download-Center/F%C3%B6rderprogramme-%28Inlandsf%C3%B6rderung%29/PDF-Dokumente/6000005060_M_300_WEF.pdf)) - Risk: approvals remain budget‑dependent; no legal entitlement. Lock timelines and financing buffers accordingly, and have your energy expert and financing bank check the exact product documents before you commit. For personalised structuring, consult a German energy‑efficiency expert (dena list), a financing broker/bank, and—on tax questions—a Steuerberater. ([kfw.de](https://www.kfw.de/inlandsfoerderung/Privatpersonen/Neubau/F%C3%B6rderprodukte/Wohneigentum-f%C3%BCr-Familien-%28300%29/))