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Please note:You can only obtain complete information if you indicate the place of residence, the place of business or the building project, depending on the procedure.

Apply for funding for owner-occupied residential property

By providing grants, your state can help you create or modernize a home or condominium. The apartment must be intended for use by you and your household members.

You do not have a legal claim to funding for your project.


  • the new building,
  • the acquisition,
  • modernization
  • the energy-efficient modernisation of owner-occupied residential property


  • Households with at least one child who has not yet reached the age of 15,


  • Households that include at least one person with disabilities (persons with a degree of disability of at least 50 and persons in need of assistance and care with care level 2 or higher).

The prerequisite for eligibility is that your income and the income of the household members do not exceed the income limits set in accordance with state law.

Funding is provided in accordance with the provisions of state law by granting non-repayable grants and/or low-interest loans.

Process flow

  • You apply for a loan for property promotion at the housing promotion agency responsible for your construction site (Hanover region, districts, district-free and large independent cities as well as independent municipalities)
  • There you will find all application forms and further information
  • The procedure from the application to the funding decision is based on numbers 45 to 47 housing subsidy determination (WFB)


  • The applicant is not only temporarily staying in Germany and is able to run an independent household for a longer period of time.
  • The current expenses for the owner-occupied residential property can be borne in the long term.
  • In addition, in the promotion of new construction and acquisition, the household must live in inadequate housing conditions
  • In the case of new construction projects, the applicant must own a suitable building plot.
  • In the case of modernization, the living space must meet the usual housing needs after modernization.
  • In the case of energy-efficient modernisation, the level of a new building based on the EnEV must be achieved (KfWEffizienz 100).
  • An equity portion of usually 15% of the total costs is to be included in the financing of the property. Own contributions can be credited.
  • Funding is provided with initially interest-free loans
  • The funding conditions in detail result from the internet offer of the Investitions- und Förderbank Niedersachsen

What are the fees?

As a rule, there are no costs for advice and application.

  • For loans, a one-time processing fee of 1% of the approved loan amount is charged.
  • For grants, a one-time processing fee of 0.75% of the approved loan amount is charged.

Processing duration

A final decision on funding applications is to be made within three months.


The text was automatically translated based on the German content.

Technically approved by

Lower Saxony Ministry for the Environment, Energy, Building and Climate Protection

Source: Serviceportal Niedersachsen (Portalverbund des Bundes und der Länder)

Further Links

Single points of contact of the state of Lower Saxony, Single points of contact of the countries of Europe, advice and assistance for EU citizens and their families.