Is home financing with mother possible?

Crazy, first result on ImmoScout a two-family house for exactly 280,000€

With a repayment rate of 2.5%, everything would be paid off in 31 years with €953.

And your mother would be 86. That’s no fun for a bank.

I live in Ostwestfalen-Lippe.

And even there, houses are not free. For that price, you can only get Schrömmel there.

Why is there only piecemeal information from the OP again here? That always drags on so unnecessarily...

So this is what I deduce:

The mother's age is 55. The plan is in 3-4 years. The intended term is 31 years. In other words: The mother would have to live to at least 90 to service the installments. Honestly, I see the first (small) problem here – because from my point of view, the ability to service the debt depends entirely on her.

The second I see in the basic constellation. Although mother and son together have a net income of 5,000 EUR, they will probably – from the bank's perspective – not be seen as one "household unit" because they do not share/cannot share a household.
In other words:
Two separate households with two separate household allowances. For the mother with 3,000 EUR net income this is not a problem – for the son I already see a rather tight debt service with 1,900 EUR net and three persons in the household (married and a child). But this probably also varies from bank to bank.

The third point: 25,000 EUR on a purchase price of 280,000 EUR – in case of doubt doesn’t even cover the additional purchase costs and can therefore, considering the overall constellation, become another problem.

The fourth point: Today, 280,000 EUR still seems plausible for a two-family house; in 3-4 years, with the same development, that might be clearly too low.....

I think there are too many variables here to make a reliable statement about this now.....

Sure, I meant the woman, of course, she is missing. No idea how that slip occurred. Mentally, the thread starter was a woman to me, for whatever reason

Maybe because he wants to move in with his mother. In my experience/the stereotype, it is often women who want to live together with their mothers.

With the son, I already see a rather tight debt service at 1900 EUR net and three people in the household (married and child).

The only thing that comes to mind is that I am not sure whether it can be inferred that the wife/husband is supposed to move in there or if only he/she and the child live in the household. Either a 3-person household with only one income, or just a 2-person household. Nobody knows for sure. Otherwise, I completely agree with you on all points.