The general contractors basically all work the same, whether they call themselves "prefabricated house manufacturers" with timber frame panel walls or "building contractors" with stone upon stone construction; as a third way, there are also the stone panel wall "solid prefabricated house manufacturers." The building material makes no difference, not even the price: the same standard costs the same money. Surcharges also do not vary with the wall construction method; the only correlation is: "the cheaper the bait list price, the more exorbitant the smallest change."
However, there is a significant difference between "prefabricated house manufacturers" and solid construction GCs: those who want to decide trade by trade what they take out as their own work can practically only be happy with the solid construction GC – the prefabricated house manufacturers usually only know four to five levels from shell construction to fully finished standard; some even have only two levels: a separate brand for shell construction, and the fully finished house is only available with 100% of all trades. Then you can only outsource what goes beyond 100% (pergola, garage). Although you can also deselect included services, this is only possible against ridiculously symbolic compensations.
You have to be clear that money is made with those customers who order the Jägerschnitzel exactly as on the menu – WITHOUT changing the fries to croquettes or similar fuss.
Incidentally, the costs of a freelance architect are massively overestimated. I advise you: choose a basic design Franziska 138 or Nadine 141 from a regional provider and have yourself advised here in the forum on how to adapt it minimally invasively to your needs. Then go to a freelance architect and commission them to fit it into the plot, combine it with a waterproof finished basement, apply for building permission in collaboration with the GC, commission the GC with the "shell plus," and lead the whole show (starting with execution drawings for the surely fitting interface OKKD). For all trades transferred to the GC, refrain from as many standard changes as possible.
KfW40 is a halo for bio-label fans. You only really "need" it if it is important for you to belong to the eco-avant-garde and be overlooked at barbecue invitations as an elite vegan. If that were really profitable, it would - at least in multi-family residential construction - long have been general developer standard.