Funding programs for our house construction

I am currently looking into which funding programs we could use for building the house. Maybe one of you could take another look and tell me if I have forgotten something or if there is something I cannot apply for.

Construction project:

[*
Construction start mid-2017
[*]detached single-family house with approx. 170 sqm living space
[*]KfW 55 standard
[*]air-to-water heat pump
[*]ventilation system
[*]electrical system installed as KNX
[*]wider doors (1 meter)
[*]burglary protection RC 2 N for doors/windows on the ground floor
[*]construction supervision by DEKRA expert


Programs:


[*]KfW 153: Energy-efficient building


[*]€100,000 per residential unit


[*]KfW 124: KfW Home Ownership Program
[LIST]
[*]up to €50,000 for costs of the building plot, if you acquired it no more than 6 months before the application date with KfW
[*]construction costs such as material and labor costs
[*]additional construction costs for the architect, energy or building consultant, notary and real estate agent fees, and property transfer tax
[*]costs for outdoor facilities


[*]KfW 431: Energy-efficient building and renovating – grant for construction supervision


[*]50% of the costs for the expert (up to €4,000 per project)


[*]KfW 455: Age-appropriate conversion – investment grant


[*]up to €6,250 grant per residential unit for measures to reduce barriers
[*]up to €1,500 grant per residential unit exclusively for measures for burglary protection


[*]BAFA - Renewable energies - Innovation funding for heat pumps in new buildings


[*]I still need to read exactly how this works and how much/what is exactly funded

Does this look okay to you so far? Who can help me with the funding, which (partly) must be applied for before the contract is signed? The bank, the financial advisor, or the general contractor?

KfW 455, I think, does not apply to new buildings.

Check at 124 whether the bank's conditions are not better. For us, it would not have been worthwhile.

To Bafa: For this, you have to install a particularly efficient air-to-water heat pump. That means with an annual performance factor of 4.5 and higher. For this, there is a subsidy of 1500€ for air-to-water heat pumps. However, most heat pumps do not qualify. You also cannot necessarily rely on the online calculators for the annual performance factor. Ours was at 4.1, but we still received the subsidy.

The application must be submitted before the start of the project, i.e., before signing the contract. However, construction companies often do not consider this contract signing as the conclusion of the work contract with the customer, but rather with the heating installer, which is significantly later. There has been a thread on this topic in recent weeks.

Bafa must be completed before signing the contract! Otherwise, there are still sometimes state-specific and even municipal funding programs.

KFW 455 is no longer available, Bafa on air-to-water heat pumps is, as already mentioned, not quite easy. Check what is possible at the state level. In NRW, for example, you can still get 1000€ for ventilation. Regional network operators/electricity providers sometimes also have surprisingly good subsidies in their region.