Take over KfW loan from the seller

Hello everyone,
we looked at a house from 2019 (KfW 55) for the second time yesterday and received the approval today. The sellers are now initiating everything regarding the notary.

The owners have a KfW loan. We have not yet received any information from the sellers, but I believe it must be the program 153. They would have no objections if we took over the loan, if that is possible.
I was able to find little information about this on the internet.
Is it fundamentally possible to take over the KfW loan and if so, what would the process be?

Basically, the loan can be taken over (but it is not clear with the old conditions whether there is an exclusion). BUT: You are then tied to the bank for the rest of the financing, from which the KfW funds also come. This can lead to poor conditions. Apart from that, it may be that the bank denies you the (possible) takeover. You have no legal claim to it. Procedure: as the bank wishes.

Basically, you can take over the loan (but do not know if there is an exclusion with the old conditions).
BUT: You are then tied to the bank for the rest of the financing, from which the KfW funds also come. This can lead to poor conditions.
Apart from that, it may be that the bank denies you the (possible) takeover. You have no legal claim to it.
Procedure: as the bank wants it

Thanks for the answer.
For understanding: We would then also take over the loan at the bank where the sellers applied for the loan in 2018, right?
Our bank through which the financing is supposed to run would initially have nothing directly to do with it in this case?
We would then have the KfW loan with Sparkasse V and our main loan with Sparkasse K?

To understand: We would then also take over the loan from the bank where the sellers applied for the loan in 2018, right?

Yes.

Our bank through which the financing is to run would initially have nothing directly to do with it in this case? We would then have the KfW loan at Sparkasse V and our main loan at Sparkasse K?

On the contrary, your bank is involved, because it would have to subordinate your loan to the KfW (another bank), which it will 99.999% not do, since it would then have no collateral. That is why such a thing practically does not exist in practice (at least I have never seen it that way). Main loan then at Sparkasse V. Or not at all.

Yes. But your bank is involved because it would have to subordinate your loan to the KfW (another bank), which it will 99.999% not do, as it would then have no securities. That’s why this practically does not exist in practice (at least I have never seen it that way). Main loan then with Sparkasse V. Or not at all.

hm Sparkassen Versicherung and Sparkasse could actually be an exception and be combined – that was the case for me, they even wanted, in that case, Sparkasse with the smaller amount in second rank GD