ᐅ Additional KfW 55 loan after completion

Hello,

Four weeks ago, we finalized a mortgage for our house for 277,000.
Now the KFW has changed its conditions, and for KFW55 there is an 18,000 grant available for 120,000.

Are there still ways I can integrate this?

Of course, everything is possible if the bank cooperates. But now the bank sets the terms, which may not necessarily be in your favor.

For example, they could let you refinance your current loan into the KfW loan against a hefty early repayment penalty. The bank will only do this if it benefits them in every way, as it means extra work for them.

I say no, otherwise the bank would have to waive loans in favor of the KfW. This should be clarified in advance. You won’t be able to revoke it later either.