Financing single-family house purchase price 365k, additional construction costs 150k, renovation?

Where did you see 1.56? The KfW 124 starts at 3.46%. The KfW 261 is affordable, but a maximum of 150k for KfW 85EE or 120k for KfW85. However, you will likely incur higher costs to meet the energy standard + costs for the consultant. It could be interesting if your property is classified as WPB (not entirely unlikely), then you can get double the repayment subsidy, which can be up to 30k. KfW 270 is also between 3-4%. The only exciting part is therefore the 261 component, and of course it is tied to the biggest conditions.

The KfW 261 is cheap, but maximum 150k for KfW 85EE or 120k for KfW85. However, you will probably incur higher costs to reach the energy standard + costs for the consultant. It could be interesting if your property qualifies as WPB (not entirely unlikely), then you can get the double repayment subsidy, which can be up to 30k.

No, please don’t confuse him. KfW 85 or 85EE cannot be combined with WPB. WPB applies from KfW70 (I think only EE). So that is out. In the end, as already said several times: the 150k will not be enough.

Exactly the 261 I meant. But of course the costs will exceed 150,000. I am curious about our [Sanierungsfahrplan]. I will also put it online, but until we have the appointment and then feedback, it will surely take another 3 months.

No, please don’t confuse him.
KfW 85 or 85EE cannot be combined with WPB. WPB is only possible from KfW70 (I think only EE as well). So that’s out.

In summary, as already said several times: the 150k will not be enough.

You’re right – unfortunately, that’s very hidden on the KFW website, but I found it too, it actually only starts from KfW70. So you can probably forget about that. Even for KfW85, I see no chance with 150k renovation, especially since the costs also include non-energy-related things like kitchen, floors, walls, etc.

One more important addition regarding the data from the energy certificate:

Final energy demand 158 kWh/(m²a)
Primary energy demand 175.9 kWh/(m²a)

Could an admin please add this to the original post? That would be great!

Is this now the same house that is being talked about here?